by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Central Louisiana Technical Community College— 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.
Among first-year students at Central Louisiana Technical Community College, 30% of new students use loans toward freshman-year expenses, with a typical loan of $4,805 per student, private and federal loans combined.
The typical federal loan comes to $4,805, representing 87.4% of the typical first-year dependent student borrowing cap of $5,500. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at Central Louisiana Technical Community College, 49% use federal student loans to help pay for their education, for a typical $6,294 a year. This works out to 31.0% above the $4,805 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $12,588 in two years and roughly $25,176 across a four-year program. 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 | $6,294 |
| Undergraduates with a federal loan | 544 |
| Total federal loans (one year) | $3,424,120 |
The median student at Central Louisiana Technical Community College borrows $7,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,000 |
| Students who completed (graduates) | $7,000 |
| Students who withdrew | $7,000 |
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 Central Louisiana Technical Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,951 |
| 25th percentile | $3,500 |
| 75th percentile | $7,500 |
| 90th percentile (highest-debt students) | $9,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Central Louisiana Technical Community College.
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 Central Louisiana Technical Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 81 | $6,754 |
| Completed (graduates) | 21 | $8,000 |
| Did not complete | 60 | $6,625 |
On a standard 10-year plan, the median completing borrower would pay about $95.13/mo.
Federal data lets us separate Stafford borrowers from the rest at Central Louisiana Technical Community College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 45 | $8,400 |
| No Stafford loan this year | 36 | $5,867 |
These figures turn the debt totals into a monthly repayment picture for Central Louisiana Technical Community College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Central Louisiana Technical Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.6% |
| Borrowers in the cohort | 446 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,500 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,035 |
| Continuing-generation students | $5,875 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Central Louisiana Technical Community College.
Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
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.