by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Blue Hills Regional Technical School: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At Blue Hills Regional Technical School specifically, 56% of first-year students take on loan debt, with a typical loan of $8,304 per borrower, covering both private and federal loans.
On the federal side, the average loan is $8,304. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at Blue Hills Regional Technical School, 55% finance part of their studies with federal loans, at an average of $7,956 in federal loans per year. That amounts to 4.2% lower than the first-year federal average of $8,304.
Repeating that yearly amount projects to about $15,912 across two years and $31,824 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 55% |
| Average federal loan per year | $7,956 |
| Undergraduates with a federal loan | 21 |
| Total federal loans (one year) | $167,070 |
The middle borrower at Blue Hills Regional Technical School owes $9,301 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,301 |
| Students who completed (graduates) | $9,500 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for Blue Hills Regional Technical School.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Blue Hills Regional Technical School.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Blue Hills Regional Technical School appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.2% |
| Borrowers in the cohort | 49 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Middle income | $9,395 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Blue Hills Regional Technical School.
Subsidized and 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.
Important to Remember
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.