by our College Data Analytics TeamThis page focuses on the debt students take on to attend Everett Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At Everett Community College, 5% of incoming students take out a loan to help cover first-year costs, with a typical loan of $5,997 each, across private and federal loan sources.
The average federally funded loan is $6,019. That sits at or beyond the $5,500 first-year federal limit for a 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 Everett Community College, 4% borrow through federal student loan programs, for a typical $6,345 a year. This works out to 5.4% higher than the $6,019 freshmen take on.
Repeating that yearly amount projects to about $12,690 in two years and roughly $25,380 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 4% |
| Average federal loan per year | $6,345 |
| Undergraduates with a federal loan | 161 |
| Total federal loans (one year) | $1,021,549 |
The middle borrower at Everett Community College owes $6,148 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,148 |
| Students who completed (graduates) | $10,417 |
| Students who withdrew | $5,500 |
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 Everett Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $3,167 |
| 75th percentile | $11,998 |
| 90th percentile (highest-debt students) | $17,981 |
How wide this percentile range is tells you how much borrowing varies across students at Everett 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 Everett Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 384 | $14,652 |
| Completed (graduates) | 63 | $12,662 |
| Did not complete | 321 | $15,000 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $150.56/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 Everett Community College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 358 | $15,604 |
| No Stafford loan | 26 | $8,209 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 50 | $11,309 |
| No Stafford loan this year | 334 | $15,281 |
The indicators below describe what the typical debt costs to pay back at Everett Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Everett Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.8% |
| Borrowers in the cohort | 723 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,013 |
| Middle income | $6,639 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,313 |
| Continuing-generation students | $5,597 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,316 |
| Independent students | $7,838 |
Federal data publishes the following gap measures for Everett 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.
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.