by our College Data Analytics TeamHere you will find what students actually borrow to attend Capitol Technology University, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Capitol Tech, 70% of first-year students take on loan debt, with a typical loan of $6,192 per student, private and federal loans combined.
The average federal loan is $5,908. This meets or exceeds the $5,500 cap on first-year federal borrowing 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 Capitol Tech, 49% rely on federal student loans toward their education, at an average of $7,343 a year. It comes to 24.3% larger than the first-year federal average of $5,908.
At a steady annual pace, that totals around $14,686 over two years and about $29,372 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 49% |
| Average federal loan per year | $7,343 |
| Undergraduates with a federal loan | 126 |
| Total federal loans (one year) | $925,260 |
The median student at Capitol Tech borrows $12,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $20,264 |
| Students who withdrew | $9,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Capitol Tech.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,250 |
| 25th percentile | $8,500 |
| 75th percentile | $29,750 |
| 90th percentile (highest-debt students) | $42,357 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Capitol Tech.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Capitol Tech.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 135 | $19,448 |
| Completed (graduates) | 52 | $24,038 |
| Did not complete | 83 | $16,853 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $285.84/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Capitol Tech.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 121 | — |
| No Stafford loan this year | 14 | — |
The indicators below describe what the typical debt costs to pay back at Capitol Tech.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Capitol Tech is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.3% |
| Borrowers in the cohort | 143 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $12,500 |
| Middle income | $12,000 |
| High income | $11,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,183 |
| Continuing-generation students | $11,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $10,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Capitol Tech.
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.