by our College Data Analytics TeamHere you will find what students actually borrow to attend MotoRing Technical Training Institute: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
For incoming students at MTTI, 49% of incoming students take out a loan to help cover first-year costs, averaging $6,475 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $6,475. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at MTTI, 47% rely on federal student loans toward their education, at an average of $6,957 annually. It comes to 7.4% larger than the first-year federal average of $6,475.
Borrowing the same amount each year would add up to roughly $13,914 across two years and $27,828 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 47% |
| Average federal loan per year | $6,957 |
| Undergraduates with a federal loan | 109 |
| Total federal loans (one year) | $758,268 |
The middle borrower at MTTI owes $9,350 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,350 |
| Students who completed (graduates) | $9,500 |
| 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.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for MTTI.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
How wide this percentile range is tells you how much borrowing varies across students at MTTI.
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 MTTI.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 153 | $9,618 |
These figures turn the debt totals into a monthly repayment picture for MTTI.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for MTTI is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.5% |
| Borrowers in the cohort | 221 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $6,261 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,399 |
| Continuing-generation students | $5,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at MTTI.
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.
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.