by our College Data Analytics TeamBelow is federal data on the loans students use to pay for HVAC Technical Institute: 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.
Looking at the entering class at HVAC Technical Institute, 78% of incoming students take out a loan to help cover first-year costs, for an average of $4,738 per student, private and federal loans combined.
Federal loans alone average $4,738, equal to roughly 86.1% of the typical first-year dependent student borrowing cap of $5,500. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at HVAC Technical Institute, 60% borrow through federal student loan programs, averaging $5,277 annually. This works out to 11.4% more than the $4,738 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $10,554 by year two and around $21,108 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 60% |
| Average federal loan per year | $5,277 |
| Undergraduates with a federal loan | 243 |
| Total federal loans (one year) | $1,282,324 |
The median student at HVAC Technical Institute borrows $6,851 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,851 |
| Students who completed (graduates) | $6,851 |
| Students who withdrew | $3,425 |
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 HVAC Technical Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,425 |
| 25th percentile | $3,966 |
| 75th percentile | $6,851 |
| 90th percentile (highest-debt students) | $6,851 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at HVAC Technical Institute.
The indicators below describe what the typical debt costs to pay back at HVAC Technical Institute.
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 | $6,851 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,966 |
| Independent students | $6,851 |
Federal data publishes the following gap measures for HVAC Technical Institute.
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
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.