by our College Data Analytics TeamThis page focuses on the debt students take on to attend Career Technical Institute: 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 Career Technical Institute, 82% of freshmen borrow to help pay for their first year, with a typical loan of $6,200 each — a figure that counts both private and federal student loans.
The average federal loan is $6,200. That sits at or beyond the $5,500 first-year federal limit 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.
For undergraduates overall at Career Technical Institute, 83% finance part of their studies with federal loans, borrowing on average $6,300 in federal loans per year. This works out to 1.6% more than the freshman federal average of $6,200.
Borrowing the same amount each year would add up to roughly $12,600 over two years and about $25,200 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 83% |
| Average federal loan per year | $6,300 |
| Undergraduates with a federal loan | 420 |
| Total federal loans (one year) | $2,646,000 |
The middle borrower at Career Technical Institute owes $7,074 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,074 |
| Students who completed (graduates) | $7,917 |
| Students who withdrew | $4,750 |
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 Career Technical Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,458 |
| 25th percentile | $3,827 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
How wide this percentile range is tells you how much borrowing varies across students at Career Technical Institute.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Career Technical Institute.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 74 | $4,039 |
| Completed (graduates) | 45 | $5,172 |
| Did not complete | 29 | $4,012 |
On a standard 10-year plan, the median completing borrower would pay about $61.5/mo.
These figures turn the debt totals into a monthly repayment picture for Career Technical Institute.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Career Technical Institute follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.8% |
| Borrowers in the cohort | 478 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,234 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,110 |
| Continuing-generation students | $5,781 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,197 |
| Independent students | $7,652 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Career Technical Institute.
Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
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.