by our College Data Analytics TeamThis page focuses on the debt students take on to attend Endicott 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 Endicott, 68% of incoming students take out a loan to help cover first-year costs, averaging $12,529 per student, private and federal loans combined.
Federal loans alone average $5,314, equal to roughly 96.6% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at Endicott, 64% take out federal student loans, at an average of $6,481 annually. It comes to 22.0% higher than the $5,314 freshmen take on.
At a steady annual pace, that totals around $12,962 by year two and around $25,924 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 | 64% |
| Average federal loan per year | $6,481 |
| Undergraduates with a federal loan | 1,992 |
| Total federal loans (one year) | $12,910,818 |
Graduating and withdrawing students at Endicott carry a median federal debt of $23,250 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $23,250 |
| Students who completed (graduates) | $27,000 |
| Students who withdrew | $5,500 |
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 Endicott.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $9,250 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $28,000 |
How wide this percentile range is tells you how much borrowing varies across students at Endicott.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Endicott.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 682 | $29,083 |
| Completed (graduates) | 405 | $38,259 |
| Did not complete | 277 | $20,000 |
On a standard 10-year plan, the median completing borrower would pay about $454.94/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Endicott.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 455 | $35,124 |
| No Stafford loan this year | 227 | $18,887 |
These figures turn the debt totals into a monthly repayment picture for Endicott.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Endicott is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.7% |
| Borrowers in the cohort | 628 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $19,067 |
| Middle income | $23,248 |
| High income | $23,250 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $22,936 |
| Continuing-generation students | $23,250 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $24,360 |
| Independent students | $8,000 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Endicott.
Subsidized vs. 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
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.