by our College Data Analytics TeamThis page focuses on the debt students take on to attend Upper Valley Career Center, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Upper Valley Career Center, 85% of first-year students take on loan debt, borrowing on average $8,794 per student, private and federal loans combined.
On the federal side, the average loan is $8,794. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. 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 Upper Valley Career Center, 54% use federal student loans to help pay for their education, for a typical $7,458 in federal loans per year. That is 15.2% less than the $8,794 borrowed by freshmen.
Repeating that yearly amount projects to about $14,916 in two years and roughly $29,832 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 54% |
| Average federal loan per year | $7,458 |
| Undergraduates with a federal loan | 74 |
| Total federal loans (one year) | $551,904 |
The middle borrower at Upper Valley Career Center owes $6,333 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $8,793 |
| 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Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Valley Career Center.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,009 |
| 25th percentile | $4,750 |
| 75th percentile | $14,820 |
| 90th percentile (highest-debt students) | $14,820 |
How wide this percentile range is tells you how much borrowing varies across students at Upper Valley Career Center.
The indicators below describe what the typical debt costs to pay back at Upper Valley Career Center.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Upper Valley Career Center appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.0% |
| Borrowers in the cohort | 7 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Upper Valley Career Center.
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.
Worth Knowing
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.