by our College Data Analytics TeamHere you will find what students actually borrow to attend Assabet Valley Regional Technical School— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At Assabet Valley Regional Vocational School District specifically, 67% of freshmen borrow to help pay for their first year, at roughly $7,843 per borrower, covering both private and federal loans.
The average federally funded loan is $5,760. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at Assabet Valley Regional Vocational School District, 63% finance part of their studies with federal loans, with a mean of $6,917 in federal loans per year. This works out to 20.1% greater than the $5,760 freshmen take on.
Borrowing at that rate every year works out to about $13,834 after two years and $27,668 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 63% |
| Average federal loan per year | $6,917 |
| Undergraduates with a federal loan | 30 |
| Total federal loans (one year) | $207,511 |
The median student at Assabet Valley Regional Vocational School District borrows $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Assabet Valley Regional Vocational School District.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $9,500 |
| 75th percentile | $9,500 |
These figures turn the debt totals into a monthly repayment picture for Assabet Valley Regional Vocational School District.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Assabet Valley Regional Vocational School District appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.0% |
| Borrowers in the cohort | 33 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Middle income | $5,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Assabet Valley Regional Vocational School District.
Subsidized vs. Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Did You Know?
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.