by our College Data Analytics TeamHere you will find what students actually borrow to attend Miller-Motte College-Berks Technical Institute— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Among first-year students at Berks Technical Institute, 59% of new students use loans toward freshman-year expenses, borrowing on average $6,244 each — a figure that counts both private and federal student loans.
The average federal loan is $6,194. This is at or above the $5,500 first-year federal borrowing cap that applies to 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.
For undergraduates overall at Berks Technical Institute, 67% take out federal student loans, averaging $6,998 in federal loans per year. That amounts to 13.0% greater than the $6,194 typical freshmen borrow.
Repeating that yearly amount projects to about $13,996 by year two and around $27,992 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 67% |
| Average federal loan per year | $6,998 |
| Undergraduates with a federal loan | 499 |
| Total federal loans (one year) | $3,492,203 |
The middle borrower at Berks Technical Institute owes $10,661 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,661 |
| Students who completed (graduates) | $15,917 |
| Students who withdrew | $6,334 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Berks Technical Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,530 |
| 25th percentile | $6,333 |
| 75th percentile | $13,000 |
| 90th percentile (highest-debt students) | $16,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Berks Technical Institute.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Berks Technical Institute.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1418 | $5,198 |
| Completed (graduates) | 847 | $6,007 |
| Did not complete | 571 | $4,120 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $71.43/mo.
Federal data lets us separate Stafford borrowers from the rest at Berks Technical Institute.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1404 | — |
| No Stafford loan | 14 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1271 | $5,093 |
| No Stafford loan this year | 147 | $6,500 |
The indicators below describe what the typical debt costs to pay back at Berks Technical Institute.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Berks Technical Institute appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.7% |
| Borrowers in the cohort | 1420 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $10,657 |
| Middle income | $11,457 |
| High income | $9,111 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,587 |
| Continuing-generation students | $12,139 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,500 |
| Independent students | $11,943 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Berks Technical Institute.
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?
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.