by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Guilford Technical Community College— 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.
At Guilford Technical Community College, 22% of incoming students take out a loan to help cover first-year costs, with a typical loan of $5,228 each, across private and federal loan sources.
The average federal loan is $5,213, equal to roughly 94.8% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at Guilford Technical Community College, freshmen included, 32% finance part of their studies with federal loans, for a typical $6,118 annually. It comes to 17.4% above the $5,213 freshmen take on.
Borrowing the same amount each year would add up to roughly $12,236 across two years and $24,472 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 32% |
| Average federal loan per year | $6,118 |
| Undergraduates with a federal loan | 2,585 |
| Total federal loans (one year) | $15,815,016 |
Graduating and withdrawing students at Guilford Technical Community College carry a median federal debt of $7,915 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,915 |
| Students who completed (graduates) | $14,901 |
| Students who withdrew | $6,499 |
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 Guilford Technical Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,751 |
| 25th percentile | $2,751 |
| 75th percentile | $14,963 |
| 90th percentile (highest-debt students) | $29,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Guilford Technical Community College.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Guilford Technical Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 885 | $10,000 |
| Completed (graduates) | 202 | $9,996 |
| Did not complete | 683 | $10,000 |
On a standard 10-year plan, the median completing borrower would pay about $118.86/mo.
Federal data lets us separate Stafford borrowers from the rest at Guilford Technical Community College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 872 | — |
| No Stafford loan | 13 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 483 | $9,332 |
| No Stafford loan this year | 402 | $10,650 |
These figures turn the debt totals into a monthly repayment picture for Guilford Technical Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Guilford Technical Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 23.2% |
| Borrowers in the cohort | 1912 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $8,914 |
| Middle income | $6,249 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,023 |
| Continuing-generation students | $7,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Guilford Technical Community College.
Subsidized vs. 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
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.