by our College Data Analytics TeamThis page focuses on the debt students take on to attend Durham Technical Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Durham Technical Community College, 6% of first-year students take on loan debt, borrowing on average $5,388 per borrower, covering both private and federal loans.
The average federal loan is $5,388, amounting to 98.0% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Durham Technical Community College, 9% take out federal student loans, averaging $7,054 a year. It comes to 30.9% larger than the first-year federal average of $5,388.
At a steady annual pace, that totals around $14,108 in two years and roughly $28,216 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 9% |
| Average federal loan per year | $7,054 |
| Undergraduates with a federal loan | 295 |
| Total federal loans (one year) | $2,080,982 |
Graduating and withdrawing students at Durham Technical Community College carry a median federal debt of $8,719 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,719 |
| Students who completed (graduates) | $14,750 |
| Students who withdrew | $7,125 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Durham Technical Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,332 |
| 25th percentile | $4,057 |
| 75th percentile | $15,475 |
| 90th percentile (highest-debt students) | $25,814 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Durham Technical Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Durham Technical Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 561 | $12,000 |
| Completed (graduates) | 90 | $14,160 |
| Did not complete | 471 | $11,726 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $168.38/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Durham Technical Community College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 547 | — |
| No Stafford loan | 14 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 96 | $11,407 |
| No Stafford loan this year | 465 | $12,000 |
The indicators below describe what the typical debt costs to pay back at Durham Technical Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Durham Technical Community College appears below.
| 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.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $6,970 |
| High income | $4,983 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,119 |
| Continuing-generation students | $7,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,075 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Durham Technical Community College.
The Difference Between Subsidized and 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.
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.