by our College Data Analytics TeamHere you will find what students actually borrow to attend Tri-Rivers Career 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.
Looking at the entering class at Tri-Rivers Career Center, 35% of freshmen borrow to help pay for their first year, at roughly $5,756 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $4,594, equal to roughly 83.5% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Tri-Rivers Career Center, freshmen included, 37% take out federal student loans, borrowing on average $8,925 annually. It comes to 94.3% greater than the $4,594 freshmen take on.
Borrowing the same amount each year would add up to roughly $17,850 in two years and roughly $35,700 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 37% |
| Average federal loan per year | $8,925 |
| Undergraduates with a federal loan | 71 |
| Total federal loans (one year) | $633,690 |
Graduating and withdrawing students at Tri-Rivers Career Center carry a median federal debt of $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $10,665 |
| Students who withdrew | $4,399 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Tri-Rivers Career Center.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,538 |
| 25th percentile | $4,750 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $13,900 |
How wide this percentile range is tells you how much borrowing varies across students at Tri-Rivers Career Center.
The indicators below describe what the typical debt costs to pay back at Tri-Rivers Career 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 federal two-year cohort default rate for Tri-Rivers Career Center follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.3% |
| Borrowers in the cohort | 89 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $10,665 |
| Middle income | $8,789 |
| High income | $8,013 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $10,837 |
Federal data publishes the following gap measures for Tri-Rivers Career Center.
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.
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.