by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Edmonds College: 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.
At Edmonds Community College, 10% of incoming undergraduates borrow in year one, with a typical loan of $10,090 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $6,121. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. 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 Edmonds Community College, 6% rely on federal student loans toward their education, with a mean of $7,031 each per year. This works out to 14.9% higher than the $6,121 typical freshmen borrow.
Repeating that yearly amount projects to about $14,062 after two years and $28,124 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 6% |
| Average federal loan per year | $7,031 |
| Undergraduates with a federal loan | 193 |
| Total federal loans (one year) | $1,356,899 |
Graduating and withdrawing students at Edmonds Community College carry a median federal debt of $7,442 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,442 |
| Students who completed (graduates) | $11,855 |
| Students who withdrew | $6,592 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Edmonds Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,626 |
| 25th percentile | $3,125 |
| 75th percentile | $12,667 |
| 90th percentile (highest-debt students) | $21,227 |
How wide this percentile range is tells you how much borrowing varies across students at Edmonds 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 Edmonds Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 285 | $15,838 |
| Completed (graduates) | 38 | $13,476 |
| Did not complete | 247 | $16,066 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $160.24/mo.
Federal data lets us separate Stafford borrowers from the rest at Edmonds Community College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 57 | $15,000 |
| No Stafford loan this year | 228 | $15,919 |
These figures turn the debt totals into a monthly repayment picture for Edmonds 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 Edmonds Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.1% |
| Borrowers in the cohort | 819 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $8,944 |
| Middle income | $6,861 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,410 |
| Continuing-generation students | $8,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Edmonds Community College.
The Difference Between Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Worth Knowing
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.