by our College Data Analytics TeamThis page focuses on the debt students take on to attend Emmaus Bible 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 Emmaus Bible College, 37% of freshmen borrow to help pay for their first year, with a typical loan of $4,647 apiece. This figure includes both private and federally funded student loans.
The average federally funded loan is $4,647, which is 84.5% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Emmaus Bible College, freshmen included, 28% finance part of their studies with federal loans, borrowing on average $7,609 annually. This works out to 63.7% above the $4,647 freshmen take on.
Borrowing at that rate every year works out to about $15,218 across two years and $30,436 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 28% |
| Average federal loan per year | $7,609 |
| Undergraduates with a federal loan | 53 |
| Total federal loans (one year) | $403,259 |
The middle borrower at Emmaus Bible College owes $9,350 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,350 |
| Students who completed (graduates) | $15,750 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Emmaus Bible College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $5,500 |
| 75th percentile | $17,750 |
These figures turn the debt totals into a monthly repayment picture for Emmaus Bible College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Emmaus Bible College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 62 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Middle income | $11,513 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $9,250 |
Federal data publishes the following gap measures for Emmaus Bible 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.
Important to Remember
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.