by our College Data Analytics TeamThis page focuses on the debt students take on to attend Technical College of the Rockies: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Looking at the entering class at Technical College of the Rockies, 0% of freshmen borrow to help pay for their first year.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 0% |
| Undergraduates with a federal loan | 0 |
| Total federal loans (one year) | $0 |
The median student at Technical College of the Rockies borrows $4,750 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,750 |
| Students who completed (graduates) | $4,750 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for Technical College of the Rockies.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $3,666 |
| 75th percentile | $9,422 |
| 90th percentile (highest-debt students) | $9,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Technical College of the Rockies.
Repayment burden translates the debt figures into what a borrower actually pays each month. Technical College of the Rockies.
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 Technical College of the Rockies appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.9% |
| Borrowers in the cohort | 67 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $4,750 |
| Middle income | $4,750 |
| High income | $4,750 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $2,750 |
| Independent students | $4,750 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Technical College of the Rockies.
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
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.