by our College Data Analytics TeamHere you will find what students actually borrow to attend Los Angeles Trade Technical College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For incoming students at Los Angeles Trade Technical College, 1% of incoming undergraduates borrow in year one, for an average of $9,006 each — a figure that counts both private and federal student loans.
Federal loans alone average $9,006. This is at or above the $5,500 first-year federal borrowing cap that applies to 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 Los Angeles Trade Technical College (freshmen included), 2% rely on federal student loans toward their education, with a mean of $7,373 per year. This is 18.1% under the $9,006 freshmen take on.
Repeating that yearly amount projects to about $14,746 in two years and roughly $29,492 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 2% |
| Average federal loan per year | $7,373 |
| Undergraduates with a federal loan | 160 |
| Total federal loans (one year) | $1,179,676 |
The median student at Los Angeles Trade Technical College borrows $9,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $10,500 |
| Students who withdrew | $9,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Los Angeles Trade Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,250 |
| 25th percentile | $3,500 |
| 75th percentile | $11,500 |
| 90th percentile (highest-debt students) | $18,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Los Angeles Trade Technical College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Los Angeles Trade Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 453 | $10,070 |
| Completed (graduates) | 36 | $15,094 |
| Did not complete | 417 | $9,606 |
On a standard 10-year plan, the median completing borrower would pay about $179.48/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 Los Angeles Trade Technical College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 435 | — |
| No Stafford loan | 18 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 12 | — |
| No Stafford loan this year | 441 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Los Angeles Trade Technical College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Los Angeles Trade Technical College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 5 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $9,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,750 |
Federal data publishes the following gap measures for Los Angeles Trade Technical College.
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.
Important to Remember
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.