by our College Data Analytics TeamThis page focuses on the debt students take on to attend Moraine Park Technical College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Moraine Park Technical College, 22% of new students use loans toward freshman-year expenses, at roughly $3,972 each, across private and federal loan sources.
The average federal loan is $3,929, representing 71.4% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at Moraine Park Technical College, 43% take out federal student loans, borrowing on average $1,949 in federal loans per year. That is 50.4% lower than the $3,929 typical freshmen borrow.
Repeating that yearly amount projects to about $3,898 in two years and roughly $7,796 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 43% |
| Average federal loan per year | $1,949 |
| Undergraduates with a federal loan | 950 |
| Total federal loans (one year) | $1,851,491 |
The median student at Moraine Park Technical College borrows $5,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $8,225 |
| Students who withdrew | $4,607 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Moraine Park Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,500 |
| 75th percentile | $10,500 |
| 90th percentile (highest-debt students) | $17,173 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Moraine Park Technical College.
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 Moraine Park Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 157 | $9,016 |
| Completed (graduates) | 54 | $8,251 |
| Did not complete | 103 | $9,352 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $98.11/mo.
Federal data lets us separate Stafford borrowers from the rest at Moraine Park Technical College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 68 | $7,065 |
| No Stafford loan this year | 89 | $10,061 |
The indicators below describe what the typical debt costs to pay back at Moraine Park Technical College.
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 Moraine Park Technical College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.5% |
| Borrowers in the cohort | 821 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,000 |
| Middle income | $5,500 |
| High income | $5,250 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,090 |
| Continuing-generation students | $4,475 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,250 |
| Independent students | $7,000 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Moraine Park Technical College.
Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Did You Know?
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.