by our College Data Analytics TeamThis page focuses on the debt students take on to attend Miami Valley Career Technology Center, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 0% |
| Undergraduates with a federal loan | 0 |
| Total federal loans (one year) | $0 |
The middle borrower at Miami Valley CTC owes $9,111 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,111 |
| Students who completed (graduates) | $9,569 |
| Students who withdrew | $5,036 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Miami Valley CTC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,738 |
| 25th percentile | $5,500 |
| 75th percentile | $9,622 |
| 90th percentile (highest-debt students) | $14,132 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Miami Valley CTC.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Miami Valley CTC.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 20 | $6,649 |
These figures turn the debt totals into a monthly repayment picture for Miami Valley CTC.
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 Miami Valley CTC appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.8% |
| Borrowers in the cohort | 132 |
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 | $9,500 |
| Middle income | $9,111 |
| High income | $6,445 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,111 |
| Continuing-generation students | $9,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,039 |
| Independent students | $11,558 |
Federal data publishes the following gap measures for Miami Valley CTC.
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.