by our College Data Analytics TeamHere you will find what students actually borrow to attend East Ohio College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Ohio Valley College of Technology, 100% of first-year students take on loan debt, at roughly $8,870 each, across private and federal loan sources.
The typical federal loan comes to $7,509. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Ohio Valley College of Technology, 90% use federal student loans to help pay for their education, borrowing on average $6,895 a year. This works out to 8.2% lower than the $7,509 typical freshmen borrow.
Borrowing at that rate every year works out to about $13,790 in two years and roughly $27,580 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 90% |
| Average federal loan per year | $6,895 |
| Undergraduates with a federal loan | 134 |
| Total federal loans (one year) | $923,994 |
The median student at Ohio Valley College of Technology borrows $10,583 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,583 |
| Students who completed (graduates) | $12,000 |
| Students who withdrew | $7,606 |
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 Ohio Valley College of Technology.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,710 |
| 25th percentile | $5,420 |
| 75th percentile | $12,725 |
| 90th percentile (highest-debt students) | $23,713 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Ohio Valley College of Technology.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Ohio Valley College of Technology.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 29 | $8,785 |
The indicators below describe what the typical debt costs to pay back at Ohio Valley College of Technology.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Ohio Valley College of Technology is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.5% |
| Borrowers in the cohort | 160 |
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 | $9,694 |
| Middle income | $12,781 |
| High income | $12,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,962 |
| Continuing-generation students | $12,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,834 |
| Independent students | $10,796 |
Federal data publishes the following gap measures for Ohio Valley College of Technology.
The Difference Between Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Worth Knowing
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.