by our College Data Analytics TeamThis page focuses on the debt students take on to attend Hocking College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At Hocking Technical College, 85% of freshmen borrow to help pay for their first year, averaging $6,013 each, across private and federal loan sources.
On the federal side, the average loan is $5,268, representing 95.8% of the typical first-year dependent student borrowing cap of $5,500. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Hocking Technical College, 56% use federal student loans to help pay for their education, for a typical $7,470 each per year. That is 41.8% higher than the $5,268 freshmen take on.
Carrying that yearly figure forward comes to roughly $14,940 by year two and around $29,880 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 56% |
| Average federal loan per year | $7,470 |
| Undergraduates with a federal loan | 925 |
| Total federal loans (one year) | $6,910,058 |
The median student at Hocking Technical College borrows $6,701 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,701 |
| Students who completed (graduates) | $11,584 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Hocking Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $14,748 |
| 90th percentile (highest-debt students) | $22,492 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Hocking Technical College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Hocking Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 450 | $8,546 |
| Completed (graduates) | 114 | $11,691 |
| Did not complete | 336 | $7,351 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $139.02/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Hocking Technical College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 384 | $8,223 |
| No Stafford loan this year | 66 | $12,058 |
These figures turn the debt totals into a monthly repayment picture for Hocking Technical College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Hocking Technical College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 22.1% |
| Borrowers in the cohort | 2859 |
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 | $6,750 |
| Middle income | $7,000 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,668 |
| Continuing-generation students | $6,750 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Hocking Technical College.
The Difference Between 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.
Did You Know?
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.