by our College Data Analytics TeamHere you will find what students actually borrow to attend Hohokus School of Trade and Technical Sciences: 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.
For incoming students at Hohokus School of Trade and Technical Sciences, 82% of new students use loans toward freshman-year expenses, averaging $11,300 per borrower, covering both private and federal loans.
The typical federal loan comes to $11,300. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. 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 Hohokus School of Trade and Technical Sciences (freshmen included), 63% use federal student loans to help pay for their education, averaging $11,500 in federal loans per year. It comes to 1.8% more than the freshman federal average of $11,300.
Carrying that yearly figure forward comes to roughly $23,000 across two years and $46,000 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 63% |
| Average federal loan per year | $11,500 |
| Undergraduates with a federal loan | 140 |
| Total federal loans (one year) | $1,610,000 |
The middle borrower at Hohokus School of Trade and Technical Sciences owes $7,600 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,600 |
| Students who completed (graduates) | $7,600 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
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 Hohokus School of Trade and Technical Sciences.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 98 | $7,468 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Hohokus School of Trade and Technical Sciences.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Hohokus School of Trade and Technical Sciences is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.1% |
| Borrowers in the cohort | 198 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,600 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,021 |
| Continuing-generation students | $7,600 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,910 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Hohokus School of Trade and Technical Sciences.
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
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.