by our College Data Analytics TeamHere you will find what students actually borrow to attend Epic Bible College & Graduate School, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Counting every undergraduate at Epic Bible College, 54% finance part of their studies with federal loans, averaging $2,481 per year.
Borrowing at that rate every year works out to about $4,962 across two years and $9,924 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 54% |
| Average federal loan per year | $2,481 |
| Undergraduates with a federal loan | 34 |
| Total federal loans (one year) | $84,338 |
Graduating and withdrawing students at Epic Bible College carry a median federal debt of $16,446 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,446 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for Epic Bible College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,000 |
| 25th percentile | $4,666 |
| 75th percentile | $28,292 |
| 90th percentile (highest-debt students) | $45,527 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Epic Bible College.
Repayment burden translates the debt figures into what a borrower actually pays each month. Epic 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 official Department of Education two-year default rate for Epic Bible College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.5% |
| Borrowers in the cohort | 65 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $15,625 |
Federal data publishes the following gap measures for Epic Bible College.
Subsidized vs. 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
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.