by our College Data Analytics TeamThis page focuses on the debt students take on to attend Dunwoody College of Technology— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Dunwoody College of Technology, 57% of new students use loans toward freshman-year expenses, averaging $10,476 each — a figure that counts both private and federal student loans.
The average federal loan is $4,996, amounting to 90.8% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at Dunwoody College of Technology, 55% finance part of their studies with federal loans, averaging $6,788 in federal loans per year. That amounts to 35.9% more than the freshman federal average of $4,996.
Borrowing at that rate every year works out to about $13,576 in two years and roughly $27,152 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 55% |
| Average federal loan per year | $6,788 |
| Undergraduates with a federal loan | 779 |
| Total federal loans (one year) | $5,288,134 |
Graduating and withdrawing students at Dunwoody College of Technology carry a median federal debt of $12,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $16,000 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Dunwoody College of Technology.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $6,583 |
| 75th percentile | $20,000 |
| 90th percentile (highest-debt students) | $25,833 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Dunwoody College of Technology.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Dunwoody College of Technology.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 152 | $19,831 |
| Completed (graduates) | 94 | $20,697 |
| Did not complete | 58 | $17,539 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $246.11/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 Dunwoody College of Technology.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 137 | — |
| No Stafford loan this year | 15 | — |
These figures turn the debt totals into a monthly repayment picture for Dunwoody College of Technology.
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 Dunwoody College of Technology is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.0% |
| Borrowers in the cohort | 722 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $14,990 |
| Middle income | $14,005 |
| High income | $12,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $12,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $20,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Dunwoody College of Technology.
Subsidized vs. Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
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.