by our College Data Analytics TeamHere you will find what students actually borrow to attend Eastern Suffolk BOCES, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For incoming students at Eastern Suffolk BOCES, 9% of first-year students take on loan debt, with a typical loan of $9,500 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $9,500. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at Eastern Suffolk BOCES, freshmen included, 8% take out federal student loans, for a typical $9,500 in federal loans per year.
Borrowing the same amount each year would add up to roughly $19,000 after two years and $38,000 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 8% |
| Average federal loan per year | $9,500 |
| Undergraduates with a federal loan | 1 |
| Total federal loans (one year) | $9,500 |
Graduating and withdrawing students at Eastern Suffolk BOCES carry a median federal debt of $8,550 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,550 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $2,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Eastern Suffolk BOCES.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,475 |
| 25th percentile | $4,950 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $13,150 |
How wide this percentile range is tells you how much borrowing varies across students at Eastern Suffolk BOCES.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Eastern Suffolk BOCES.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 47 | $6,000 |
These figures turn the debt totals into a monthly repayment picture for Eastern Suffolk BOCES.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Eastern Suffolk BOCES follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.4% |
| Borrowers in the cohort | 203 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,550 |
| Continuing-generation students | $9,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,197 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Eastern Suffolk BOCES.
Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Did You Know?
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.