by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Employment Solutions-College for Technical Education: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At Employment Solutions, 77% of first-year students take on loan debt, with a typical loan of $9,126 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $9,126. This reaches or tops the $5,500 first-year federal borrowing cap 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.
Among all degree-seeking undergrads at Employment Solutions, 60% finance part of their studies with federal loans, for a typical $8,283 a year. This is 9.2% less than the $9,126 borrowed by freshmen.
At a steady annual pace, that totals around $16,566 after two years and $33,132 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 60% |
| Average federal loan per year | $8,283 |
| Undergraduates with a federal loan | 210 |
| Total federal loans (one year) | $1,739,357 |
The middle borrower at Employment Solutions owes $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $11,600 |
| Students who withdrew | $4,750 |
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 Employment Solutions.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,434 |
| 25th percentile | $4,750 |
| 75th percentile | $11,186 |
| 90th percentile (highest-debt students) | $15,110 |
How wide this percentile range is tells you how much borrowing varies across students at Employment Solutions.
Repayment burden translates the debt figures into what a borrower actually pays each month. Employment Solutions.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Employment Solutions is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 20.1% |
| Borrowers in the cohort | 119 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,500 |
| Independent students | $9,605 |
Federal data publishes the following gap measures for Employment Solutions.
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.
Did You Know?
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.