by our College Data Analytics TeamThis page focuses on the debt students take on to attend Indiana County Technology Center, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At ICTC, 53% of first-year students take on loan debt, with a typical loan of $7,299 each, across private and federal loan sources.
On the federal side, the average loan is $6,164. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Across the full undergraduate body at ICTC (freshmen included), 69% finance part of their studies with federal loans, borrowing on average $6,349 in federal loans per year. It comes to 3.0% greater than the $6,164 borrowed by freshmen.
Borrowing at that rate every year works out to about $12,698 after two years and $25,396 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 69% |
| Average federal loan per year | $6,349 |
| Undergraduates with a federal loan | 84 |
| Total federal loans (one year) | $533,303 |
The median student at ICTC borrows $7,600 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,600 |
| Students who completed (graduates) | $10,901 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at ICTC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,555 |
| 25th percentile | $4,750 |
| 75th percentile | $10,764 |
| 90th percentile (highest-debt students) | $15,206 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at ICTC.
The indicators below describe what the typical debt costs to pay back at ICTC.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for ICTC is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.0% |
| Borrowers in the cohort | 50 |
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 | $8,296 |
| Middle income | $8,100 |
| High income | $6,765 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,400 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at ICTC.
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.
Important to Remember
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.