by our College Data Analytics TeamThis page focuses on the debt students take on to attend Georgia Northwestern Technical 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 Georgia Northwestern Technical College, 4% of new students use loans toward freshman-year expenses, borrowing on average $4,869 per borrower, covering both private and federal loans.
The average federal loan is $4,783, which is 87.0% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Georgia Northwestern Technical College, 7% rely on federal student loans toward their education, with a mean of $4,958 in federal loans per year. It comes to 3.7% more than the $4,783 typical freshmen borrow.
Borrowing at that rate every year works out to about $9,916 over two years and about $19,832 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 | 7% |
| Average federal loan per year | $4,958 |
| Undergraduates with a federal loan | 271 |
| Total federal loans (one year) | $1,343,705 |
Graduating and withdrawing students at Georgia Northwestern Technical College carry a median federal debt of $3,971 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,971 |
| Students who completed (graduates) | $6,421 |
| Students who withdrew | $3,181 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Georgia Northwestern Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,000 |
| 25th percentile | $1,750 |
| 75th percentile | $7,594 |
| 90th percentile (highest-debt students) | $14,024 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Georgia Northwestern Technical College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Georgia Northwestern Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 147 | $9,492 |
| Completed (graduates) | 41 | $8,169 |
| Did not complete | 106 | $9,818 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $97.14/mo.
Federal data lets us separate Stafford borrowers from the rest at Georgia Northwestern Technical College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 33 | $11,350 |
| No Stafford loan this year | 114 | $8,708 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Georgia Northwestern 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 Georgia Northwestern Technical College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 0 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $4,227 |
| Middle income | $3,821 |
| High income | $3,123 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $4,015 |
| Continuing-generation students | $3,485 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,000 |
| Independent students | $4,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Georgia Northwestern Technical 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
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.