by our College Data Analytics TeamThis page focuses on the debt students take on to attend Broome Delaware Tioga BOCES-Practical Nursing Program— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Broome Delaware Tioga BOCES-Practical Nursing Program, 100% of incoming students take out a loan to help cover first-year costs, for an average of $7,052 each, across private and federal loan sources.
The typical federal loan comes to $7,052. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at Broome Delaware Tioga BOCES-Practical Nursing Program, 48% finance part of their studies with federal loans, averaging $4,651 in federal loans per year. That amounts to 34.0% under the $7,052 freshmen take on.
Borrowing the same amount each year would add up to roughly $9,302 in two years and roughly $18,604 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 48% |
| Average federal loan per year | $4,651 |
| Undergraduates with a federal loan | 47 |
| Total federal loans (one year) | $218,588 |
Graduating and withdrawing students at Broome Delaware Tioga BOCES-Practical Nursing Program carry a median federal debt of $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Broome Delaware Tioga BOCES-Practical Nursing Program.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $5,500 |
| 75th percentile | $10,000 |
The indicators below describe what the typical debt costs to pay back at Broome Delaware Tioga BOCES-Practical Nursing Program.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Broome Delaware Tioga BOCES-Practical Nursing Program appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.7% |
| Borrowers in the cohort | 34 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
The Difference Between Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
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.