by our College Data Analytics TeamThis page focuses on the debt students take on to attend Upper Cape Cod Regional Technical School, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at Upper Cape Tech, 63% of first-year students take on loan debt, with a typical loan of $7,624 each — a figure that counts both private and federal student loans.
The average federally funded loan is $6,622. This reaches or tops the $5,500 first-year federal borrowing cap 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.
For undergraduates overall at Upper Cape Tech, 67% use federal student loans to help pay for their education, at an average of $7,481 a year. That is 13.0% greater than the $6,622 typical freshmen borrow.
Borrowing at that rate every year works out to about $14,962 after two years and $29,924 by the fourth year. 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 | $7,481 |
| Undergraduates with a federal loan | 57 |
| Total federal loans (one year) | $426,443 |
Graduating and withdrawing students at Upper Cape Tech 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 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Upper Cape Tech.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $4,750 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
How wide this percentile range is tells you how much borrowing varies across students at Upper Cape Tech.
The indicators below describe what the typical debt costs to pay back at Upper Cape Tech.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Upper Cape Tech follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.7% |
| Borrowers in the cohort | 42 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $8,250 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Upper Cape Tech.
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?
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.