by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Cincinnati State Technical and Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Cincinnati State, 42% of incoming undergraduates borrow in year one, for an average of $6,288 per borrower, covering both private and federal loans.
The average federal loan is $6,116. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at Cincinnati State, 44% rely on federal student loans toward their education, for a typical $7,427 in federal loans per year. This is 21.4% above the $6,116 freshmen take on.
At a steady annual pace, that totals around $14,854 over two years and about $29,708 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 44% |
| Average federal loan per year | $7,427 |
| Undergraduates with a federal loan | 2,318 |
| Total federal loans (one year) | $17,215,195 |
The median student at Cincinnati State borrows $7,966 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,966 |
| Students who completed (graduates) | $14,715 |
| Students who withdrew | $7,214 |
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 Cincinnati State.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,313 |
| 25th percentile | $2,646 |
| 75th percentile | $13,500 |
| 90th percentile (highest-debt students) | $22,211 |
How wide this percentile range is tells you how much borrowing varies across students at Cincinnati State.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Cincinnati State.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1029 | $11,048 |
| Completed (graduates) | 255 | $11,466 |
| Did not complete | 774 | $10,996 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $136.34/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Cincinnati State.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1012 | — |
| No Stafford loan | 17 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 502 | $9,108 |
| No Stafford loan this year | 527 | $13,500 |
The indicators below describe what the typical debt costs to pay back at Cincinnati State.
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 Cincinnati State appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.5% |
| Borrowers in the cohort | 4615 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $8,408 |
| Middle income | $8,118 |
| High income | $6,488 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,930 |
| Continuing-generation students | $8,056 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,856 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Cincinnati State.
Subsidized vs. 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?
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.