by our College Data Analytics TeamThis page focuses on the debt students take on to attend Delta Technical College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at Delta Technical College, 89% of new students use loans toward freshman-year expenses, with a typical loan of $7,475 per student, private and federal loans combined.
The average federal loan is $6,623. 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.
For undergraduates overall at Delta Technical College, 90% finance part of their studies with federal loans, for a typical $7,351 in federal loans per year. This is 11.0% greater than the $6,623 typical freshmen borrow.
Repeating that yearly amount projects to about $14,702 in two years and roughly $29,404 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 90% |
| Average federal loan per year | $7,351 |
| Undergraduates with a federal loan | 3,443 |
| Total federal loans (one year) | $25,310,456 |
Graduating and withdrawing students at Delta Technical College carry a median federal debt of $9,251 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,251 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Delta Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,100 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Delta Technical College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Delta Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 686 | $5,999 |
| Completed (graduates) | 557 | $6,887 |
| Did not complete | 129 | $4,460 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $81.89/mo.
Federal data lets us separate Stafford borrowers from the rest at Delta Technical College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 665 | $6,100 |
| No Stafford loan | 21 | $1,438 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 614 | $5,999 |
| No Stafford loan this year | 72 | $5,940 |
These figures turn the debt totals into a monthly repayment picture for Delta Technical College.
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 Technical College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 23.2% |
| Borrowers in the cohort | 1456 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,301 |
| Middle income | $7,301 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,251 |
| Continuing-generation students | $9,301 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Delta Technical College.
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.
Worth Knowing
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.