by our College Data Analytics TeamThis page focuses on the debt students take on to attend Everglades University, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Everglades U, 76% of new students use loans toward freshman-year expenses, at roughly $9,847 per student, private and federal loans combined.
The typical federal loan comes to $10,118. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
For undergraduates overall at Everglades U, 74% use federal student loans to help pay for their education, with a mean of $10,396 each per year. That is 2.7% above the freshman federal average of $10,118.
Carrying that yearly figure forward comes to roughly $20,792 by year two and around $41,584 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 74% |
| Average federal loan per year | $10,396 |
| Undergraduates with a federal loan | 1,752 |
| Total federal loans (one year) | $18,214,649 |
Graduating and withdrawing students at Everglades U carry a median federal debt of $18,950 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $18,950 |
| Students who completed (graduates) | $38,996 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Everglades U.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,103 |
| 25th percentile | $6,500 |
| 75th percentile | $37,528 |
| 90th percentile (highest-debt students) | $50,688 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Everglades U.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Everglades U.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 168 | $10,687 |
| Completed (graduates) | 84 | $12,350 |
| Did not complete | 84 | $9,690 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $146.85/mo.
Federal data lets us separate Stafford borrowers from the rest at Everglades U.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 139 | $10,844 |
| No Stafford loan this year | 29 | $10,184 |
These figures turn the debt totals into a monthly repayment picture for Everglades U.
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 Everglades U is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.0% |
| Borrowers in the cohort | 508 |
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 |
|---|---|
| Low income | $14,750 |
| Middle income | $21,961 |
| High income | $25,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $18,434 |
| Continuing-generation students | $20,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $16,934 |
| Independent students | $19,000 |
Federal data publishes the following gap measures for Everglades U.
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.
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.