by our College Data Analytics TeamThis page focuses on the debt students take on to attend Lincoln Technical Institute - East Windsor: 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 Lincoln Tech - East Windsor, 77% of new students use loans toward freshman-year expenses, with a typical loan of $7,900 per borrower, covering both private and federal loans.
The typical federal loan comes to $7,900. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Lincoln Tech - East Windsor, 69% borrow through federal student loan programs, at an average of $7,391 in federal loans per year. This works out to 6.4% lower than the $7,900 borrowed by freshmen.
Borrowing at that rate every year works out to about $14,782 after two years and $29,564 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 | $7,391 |
| Undergraduates with a federal loan | 1,078 |
| Total federal loans (one year) | $7,967,399 |
The middle borrower at Lincoln Tech - East Windsor owes $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $11,250 |
| Students who withdrew | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Lincoln Tech - East Windsor.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $16,000 |
| 90th percentile (highest-debt students) | $19,504 |
How wide this percentile range is tells you how much borrowing varies across students at Lincoln Tech - East Windsor.
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 Lincoln Tech - East Windsor.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1412 | $10,396 |
| Completed (graduates) | 938 | $12,456 |
| Did not complete | 474 | $7,163 |
On a standard 10-year plan, the median completing borrower would pay about $148.12/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Lincoln Tech - East Windsor.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1323 | $10,761 |
| No Stafford loan | 89 | $5,254 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1277 | $10,869 |
| No Stafford loan this year | 135 | $6,102 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Lincoln Tech - East Windsor.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Lincoln Tech - East Windsor appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 21.2% |
| Borrowers in the cohort | 4294 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $9,878 |
| Middle income | $9,500 |
| High income | $8,967 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,750 |
| Independent students | $11,250 |
Federal data publishes the following gap measures for Lincoln Tech - East Windsor.
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
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.