by our College Data Analytics TeamHere you will find what students actually borrow to attend Delta College of Arts & Technology, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Delta College of Arts & Technology, 90% of incoming undergraduates borrow in year one, averaging $4,930 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $4,762, equal to roughly 86.6% of the $5,500 first-year federal borrowing limit for a 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.
Across the full undergraduate body at Delta College of Arts & Technology (freshmen included), 71% finance part of their studies with federal loans, averaging $5,270 in federal loans per year. This works out to 10.7% larger than the $4,762 freshmen take on.
Borrowing at that rate every year works out to about $10,540 in two years and roughly $21,080 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 | 71% |
| Average federal loan per year | $5,270 |
| Undergraduates with a federal loan | 310 |
| Total federal loans (one year) | $1,633,745 |
The middle borrower at Delta College of Arts & Technology owes $5,899 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,899 |
| Students who completed (graduates) | $7,393 |
| Students who withdrew | $3,979 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Delta College of Arts & Technology.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $3,500 |
| 75th percentile | $8,480 |
| 90th percentile (highest-debt students) | $12,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Delta College of Arts & Technology.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Delta College of Arts & Technology.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 69 | $6,553 |
| Completed (graduates) | 25 | $8,172 |
| Did not complete | 44 | $6,526 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $97.17/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 Delta College of Arts & Technology.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 47 | $6,221 |
| No Stafford loan this year | 22 | $8,809 |
The indicators below describe what the typical debt costs to pay back at Delta College of Arts & Technology.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Delta College of Arts & Technology is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.1% |
| Borrowers in the cohort | 355 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $5,843 |
| Middle income | $8,189 |
| High income | $6,153 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,869 |
| Continuing-generation students | $7,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $5,997 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Delta College of Arts & Technology.
The Difference Between Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.