by our College Data Analytics TeamThis page focuses on the debt students take on to attend Lincoln College of Technology-Nashville, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Lincoln Tech - Nashville specifically, 66% of freshmen borrow to help pay for their first year, at roughly $7,105 each — a figure that counts both private and federal student loans.
The average federal loan is $7,105. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Lincoln Tech - Nashville, 65% use federal student loans to help pay for their education, at an average of $7,770 a year. This is 9.4% higher than the first-year federal average of $7,105.
Carrying that yearly figure forward comes to roughly $15,540 across two years and $31,080 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 65% |
| Average federal loan per year | $7,770 |
| Undergraduates with a federal loan | 1,163 |
| Total federal loans (one year) | $9,036,633 |
The middle borrower at Lincoln Tech - Nashville owes $9,524 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,524 |
| Students who completed (graduates) | $11,730 |
| Students who withdrew | $4,750 |
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 Lincoln Tech - Nashville.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,662 |
| 75th percentile | $14,750 |
| 90th percentile (highest-debt students) | $18,250 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Lincoln Tech - Nashville.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Lincoln Tech - Nashville.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 3310 | $13,336 |
| Completed (graduates) | 2311 | $15,166 |
| Did not complete | 999 | $8,262 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $180.34/mo.
Federal data lets us separate Stafford borrowers from the rest at Lincoln Tech - Nashville.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 3125 | $13,716 |
| No Stafford loan | 185 | $3,785 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 3060 | $13,767 |
| No Stafford loan this year | 250 | $4,344 |
These figures turn the debt totals into a monthly repayment picture for Lincoln Tech - Nashville.
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 Lincoln Tech - Nashville is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 21.5% |
| Borrowers in the cohort | 5253 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $9,832 |
| Middle income | $9,833 |
| High income | $9,192 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,645 |
| Continuing-generation students | $9,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,500 |
| Independent students | $12,125 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Lincoln Tech - Nashville.
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
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.