by our College Data Analytics TeamThis page focuses on the debt students take on to attend Eastland-Fairfield Career and Technical Schools: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Eastland-Fairfield, 67% of first-year students take on loan debt, at roughly $5,250 apiece. This figure includes both private and federally funded student loans.
The average federally funded loan is $5,250, amounting to 95.5% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Eastland-Fairfield, 65% borrow through federal student loan programs, at an average of $5,649 per year. It comes to 7.6% above the $5,250 typical freshmen borrow.
Repeating that yearly amount projects to about $11,298 in two years and roughly $22,596 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 65% |
| Average federal loan per year | $5,649 |
| Undergraduates with a federal loan | 67 |
| Total federal loans (one year) | $378,457 |
The median student at Eastland-Fairfield borrows $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $4,208 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Eastland-Fairfield.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,868 |
| 25th percentile | $4,420 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
How wide this percentile range is tells you how much borrowing varies across students at Eastland-Fairfield.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Eastland-Fairfield.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 20 | $6,077 |
These figures turn the debt totals into a monthly repayment picture for Eastland-Fairfield.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Eastland-Fairfield follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.4% |
| Borrowers in the cohort | 214 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $5,752 |
| Middle income | $5,500 |
| High income | $5,692 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $6,597 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,568 |
| Independent students | $6,549 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Eastland-Fairfield.
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.
Worth Knowing
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.