by our College Data Analytics TeamThis page focuses on the debt students take on to attend Hebrew Theological College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At HTC, 20% of incoming students take out a loan to help cover first-year costs, at roughly $4,583 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $4,583, representing 83.3% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at HTC, 25% borrow through federal student loan programs, borrowing on average $7,189 per year. It comes to 56.9% greater than the first-year federal average of $4,583.
At a steady annual pace, that totals around $14,378 in two years and roughly $28,756 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 25% |
| Average federal loan per year | $7,189 |
| Undergraduates with a federal loan | 20 |
| Total federal loans (one year) | $143,775 |
Graduating and withdrawing students at HTC carry a median federal debt of $9,924 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,924 |
| Students who completed (graduates) | $14,000 |
| Students who withdrew | $7,667 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
These figures turn the debt totals into a monthly repayment picture for HTC.
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 HTC follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.4% |
| Borrowers in the cohort | 16 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The Department of Education computes gap indicators that show how borrowing differs between student groups at HTC.
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.
Did You Know?
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.