by our College Data Analytics TeamHere you will find what students actually borrow to attend Edison State Community College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Edison Community College specifically, 13% of incoming undergraduates borrow in year one, for an average of $4,919 per borrower, covering both private and federal loans.
The typical federal loan comes to $4,919, or about 89.4% 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.
Among all degree-seeking undergrads at Edison Community College, 20% rely on federal student loans toward their education, with a mean of $5,183 annually. It comes to 5.4% above the first-year federal average of $4,919.
Repeating that yearly amount projects to about $10,366 by year two and around $20,732 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 20% |
| Average federal loan per year | $5,183 |
| Undergraduates with a federal loan | 269 |
| Total federal loans (one year) | $1,394,279 |
The middle borrower at Edison Community College owes $9,278 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,278 |
| Students who completed (graduates) | $16,250 |
| Students who withdrew | $7,874 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Edison Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,634 |
| 75th percentile | $17,500 |
| 90th percentile (highest-debt students) | $32,997 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Edison Community College.
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 Edison Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 135 | $9,578 |
| Completed (graduates) | 24 | $7,530 |
| Did not complete | 111 | $10,125 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $89.54/mo.
Federal data lets us separate Stafford borrowers from the rest at Edison Community College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 56 | $6,993 |
| No Stafford loan this year | 79 | $13,243 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Edison Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Edison Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.4% |
| Borrowers in the cohort | 526 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $10,074 |
| Middle income | $8,678 |
| High income | $6,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $8,018 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,500 |
| Independent students | $10,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Edison Community College.
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.