by our College Data Analytics TeamThis page focuses on the debt students take on to attend Ashtabula County Technical and Career Campus: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
At Ashtabula County Technical and Career Campus specifically, 86% of incoming undergraduates borrow in year one, with a typical loan of $7,402 per student, private and federal loans combined.
Federal loans alone average $7,107. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Ashtabula County Technical and Career Campus, 20% borrow through federal student loan programs, averaging $6,485 per year. That is 8.8% smaller than the $7,107 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $12,970 across two years and $25,940 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 20% |
| Average federal loan per year | $6,485 |
| Undergraduates with a federal loan | 60 |
| Total federal loans (one year) | $389,105 |
The middle borrower at Ashtabula County Technical and Career Campus owes $11,224 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,224 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for Ashtabula County Technical and Career Campus.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,330 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Ashtabula County Technical and Career Campus.
The indicators below describe what the typical debt costs to pay back at Ashtabula County Technical and Career Campus.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Ashtabula County Technical and Career Campus follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.3% |
| Borrowers in the cohort | 92 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $14,023 |
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
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.