by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Clearfield County Career and Technology Center— 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.
For incoming students at CCCTC, 76% of new students use loans toward freshman-year expenses, with a typical loan of $8,175 each — a figure that counts both private and federal student loans.
Federal loans alone average $8,175. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at CCCTC, freshmen included, 25% rely on federal student loans toward their education, at an average of $8,175 in federal loans per year.
At a steady annual pace, that totals around $16,350 in two years and roughly $32,700 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 25% |
| Average federal loan per year | $8,175 |
| Undergraduates with a federal loan | 13 |
| Total federal loans (one year) | $106,272 |
Graduating and withdrawing students at CCCTC carry a median federal debt of $8,750 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,750 |
| Students who completed (graduates) | $8,750 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for CCCTC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $7,375 |
| 75th percentile | $14,750 |
| 90th percentile (highest-debt students) | $14,750 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at CCCTC.
Repayment burden translates the debt figures into what a borrower actually pays each month. CCCTC.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for CCCTC follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.0% |
| Borrowers in the cohort | 80 |
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 |
|---|---|
| Middle income | $8,750 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,750 |
| Independent students | $10,827 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at CCCTC.
Subsidized vs. 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?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.