by our College Data Analytics TeamHere you will find what students actually borrow to attend Lincoln College of Technology-Marietta, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Lincoln Tech - Marietta, 68% of incoming undergraduates borrow in year one, at roughly $8,653 each, across private and federal loan sources.
The average federal loan is $8,653. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at Lincoln Tech - Marietta (freshmen included), 65% borrow through federal student loan programs, at an average of $7,797 in federal loans per year. This works out to 9.9% smaller than the freshman federal average of $8,653.
Borrowing at that rate every year works out to about $15,594 after two years and $31,188 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 | 65% |
| Average federal loan per year | $7,797 |
| Undergraduates with a federal loan | 482 |
| Total federal loans (one year) | $3,758,032 |
Graduating and withdrawing students at Lincoln Tech - Marietta carry a median federal debt of $9,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,000 |
| Students who completed (graduates) | $10,521 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Lincoln Tech - Marietta.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,907 |
| 25th percentile | $6,178 |
| 75th percentile | $11,811 |
| 90th percentile (highest-debt students) | $16,500 |
How wide this percentile range is tells you how much borrowing varies across students at Lincoln Tech - Marietta.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Lincoln Tech - Marietta.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1039 | $6,856 |
| Completed (graduates) | 698 | $7,624 |
| Did not complete | 341 | $5,380 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $90.66/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Lincoln Tech - Marietta.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1008 | $6,994 |
| No Stafford loan | 31 | $2,763 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 964 | $6,918 |
| No Stafford loan this year | 75 | $5,968 |
The indicators below describe what the typical debt costs to pay back at Lincoln Tech - Marietta.
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 Lincoln Tech - Marietta follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.1% |
| Borrowers in the cohort | 4290 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,104 |
| Middle income | $9,000 |
| High income | $6,855 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,000 |
| Continuing-generation students | $9,130 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,583 |
| Independent students | $10,117 |
Federal data publishes the following gap measures for Lincoln Tech - Marietta.
Subsidized vs. 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.
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.