by our College Data Analytics TeamHere you will find what students actually borrow to attend Clover Park Technical College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
For incoming students at CPTC, 7% of incoming undergraduates borrow in year one, at roughly $6,908 per student, private and federal loans combined.
Federal loans alone average $5,713. This is at or above the $5,500 first-year federal borrowing cap that applies to 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.
Looking at all undergraduates at CPTC, freshmen included, 7% take out federal student loans, averaging $7,196 each per year. That is 26.0% above the first-year federal average of $5,713.
Borrowing at that rate every year works out to about $14,392 in two years and roughly $28,784 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 7% |
| Average federal loan per year | $7,196 |
| Undergraduates with a federal loan | 162 |
| Total federal loans (one year) | $1,165,824 |
The median student at CPTC borrows $9,063 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,063 |
| Students who completed (graduates) | $12,112 |
| Students who withdrew | $7,820 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at CPTC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,427 |
| 25th percentile | $4,750 |
| 75th percentile | $15,532 |
| 90th percentile (highest-debt students) | $22,625 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at CPTC.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for CPTC.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 127 | $10,000 |
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 CPTC.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 36 | $9,515 |
| No Stafford loan this year | 91 | $10,157 |
These figures turn the debt totals into a monthly repayment picture for CPTC.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for CPTC is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.3% |
| Borrowers in the cohort | 1008 |
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 | $9,639 |
| Middle income | $8,361 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,278 |
| Continuing-generation students | $8,708 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,632 |
Federal data publishes the following gap measures for CPTC.
The Difference Between 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.
Important to Remember
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.