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. These figures are reported by the Department of Education and IPEDS.
At MTTI specifically, 53% of first-year students take on loan debt, averaging $7,146 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $7,117. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at MTTI, 50% rely on federal student loans toward their education, borrowing on average $7,120 in federal loans per year. This works out to 0.0% larger than the first-year federal average of $7,117.
Repeating that yearly amount projects to about $14,240 across two years and $28,480 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 50% |
| Average federal loan per year | $7,120 |
| Undergraduates with a federal loan | 285 |
| Total federal loans (one year) | $2,029,307 |
Graduating and withdrawing students at MTTI carry a median federal debt of $9,350 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,350 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
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 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies 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. Two-year cohort default-rate data for MTTI is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.5% |
| Borrowers in the cohort | 221 |
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.
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 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at MTTI.
The Difference Between 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.
Worth Knowing
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.