by our College Data Analytics TeamHere you will find what students actually borrow to attend Northwest HVAC/R Training Center— 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 Northwest HVAC/R Training Center, 73% of incoming undergraduates borrow in year one, at roughly $7,729 each, across private and federal loan sources.
Federal loans alone average $7,729. 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.
Counting every undergraduate at Northwest HVAC/R Training Center, 67% borrow through federal student loan programs, with a mean of $7,983 in federal loans per year. It comes to 3.3% above the $7,729 freshmen take on.
Carrying that yearly figure forward comes to roughly $15,966 after two years and $31,932 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 67% |
| Average federal loan per year | $7,983 |
| Undergraduates with a federal loan | 33 |
| Total federal loans (one year) | $263,436 |
Graduating and withdrawing students at Northwest HVAC/R Training Center carry a median federal debt of $9,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for Northwest HVAC/R Training Center.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Northwest HVAC/R Training Center.
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 Northwest HVAC/R Training Center is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.6% |
| Borrowers in the cohort | 47 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 |
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.