by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Elizabethtown Community and Technical College: 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 Elizabethtown Community and Technical College, 9% of freshmen borrow to help pay for their first year, borrowing on average $5,259 per borrower, covering both private and federal loans.
Federal loans alone average $5,259, which is 95.6% of the $5,500 cap on first-year federal borrowing for the typical dependent student. 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 Elizabethtown Community and Technical College (freshmen included), 17% rely on federal student loans toward their education, at an average of $5,825 in federal loans per year. This is 10.8% greater than the first-year federal average of $5,259.
Carrying that yearly figure forward comes to roughly $11,650 over two years and about $23,300 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 17% |
| Average federal loan per year | $5,825 |
| Undergraduates with a federal loan | 660 |
| Total federal loans (one year) | $3,844,790 |
Graduating and withdrawing students at Elizabethtown Community and Technical College carry a median federal debt of $5,975 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,975 |
| Students who completed (graduates) | $9,055 |
| Students who withdrew | $5,453 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Elizabethtown Community and Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,957 |
| 75th percentile | $13,300 |
| 90th percentile (highest-debt students) | $24,982 |
How wide this percentile range is tells you how much borrowing varies across students at Elizabethtown Community and Technical College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Elizabethtown Community and Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 347 | $10,000 |
| Completed (graduates) | 114 | $9,440 |
| Did not complete | 233 | $10,000 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $112.25/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 Elizabethtown Community and Technical College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 101 | $9,452 |
| No Stafford loan this year | 246 | $10,000 |
The indicators below describe what the typical debt costs to pay back at Elizabethtown Community and Technical 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 Elizabethtown Community and Technical College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 21.4% |
| Borrowers in the cohort | 1634 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,500 |
| Middle income | $6,419 |
| High income | $5,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,170 |
| Continuing-generation students | $5,467 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,000 |
| Independent students | $7,341 |
Federal data publishes the following gap measures for Elizabethtown Community and Technical College.
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.
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.