by our College Data Analytics TeamThis page focuses on the debt students take on to attend Eastern Wyoming College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Eastern Wyoming College, 23% of incoming students take out a loan to help cover first-year costs, for an average of $3,923 per student, private and federal loans combined.
On the federal side, the average loan is $3,855, which is 70.1% of the typical first-year dependent student borrowing cap of $5,500. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Eastern Wyoming College, freshmen included, 21% finance part of their studies with federal loans, borrowing on average $4,325 per year. This is 12.2% larger than the freshman federal average of $3,855.
Borrowing at that rate every year works out to about $8,650 by year two and around $17,300 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 | 21% |
| Average federal loan per year | $4,325 |
| Undergraduates with a federal loan | 102 |
| Total federal loans (one year) | $441,146 |
Graduating and withdrawing students at Eastern Wyoming College carry a median federal debt of $4,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,500 |
| Students who completed (graduates) | $7,000 |
| Students who withdrew | $3,500 |
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 Wyoming College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,000 |
| 75th percentile | $8,000 |
| 90th percentile (highest-debt students) | $12,190 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Eastern Wyoming College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Eastern Wyoming College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 22 | $3,500 |
The indicators below describe what the typical debt costs to pay back at Eastern Wyoming College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Eastern Wyoming College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.1% |
| Borrowers in the cohort | 164 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $4,512 |
| Middle income | $4,099 |
| High income | $5,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $4,500 |
| Continuing-generation students | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,500 |
| Independent students | $5,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Eastern Wyoming College.
Subsidized vs. Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.