by our College Data Analytics TeamHere you will find what students actually borrow to attend Columbiana County Career and Technical Center: 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 Columbiana County Career and Technical Center, 90% of first-year students take on loan debt, borrowing on average $4,873 each, across private and federal loan sources.
The average federally funded loan is $4,873, representing 88.6% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Columbiana County Career and Technical Center, 78% take out federal student loans, at an average of $5,625 a year. It comes to 15.4% higher than the $4,873 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $11,250 across two years and $22,500 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 | 78% |
| Average federal loan per year | $5,625 |
| Undergraduates with a federal loan | 159 |
| Total federal loans (one year) | $894,444 |
The median student at Columbiana County Career and Technical Center borrows $9,245 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,245 |
| Students who completed (graduates) | $12,109 |
| Students who withdrew | $3,167 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Columbiana County Career and Technical Center.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,096 |
| 25th percentile | $2,433 |
| 75th percentile | $7,033 |
| 90th percentile (highest-debt students) | $9,755 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Columbiana County Career and Technical Center.
The indicators below describe what the typical debt costs to pay back at Columbiana County Career and Technical Center.
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 Columbiana County Career and Technical Center follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 0 |
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 | $8,900 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,926 |
| Independent students | $11,663 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Columbiana County Career and Technical Center.
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
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.