by our College Data Analytics TeamHere you will find what students actually borrow to attend NHTI-Concord’s Community 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 NHTI, 50% of freshmen borrow to help pay for their first year, for an average of $5,951 per student, private and federal loans combined.
The average federal loan is $5,169, amounting to 94.0% of the typical first-year dependent student borrowing cap of $5,500. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at NHTI, 43% take out federal student loans, for a typical $6,129 per year. It comes to 18.6% larger than the $5,169 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $12,258 across two years and $24,516 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 43% |
| Average federal loan per year | $6,129 |
| Undergraduates with a federal loan | 912 |
| Total federal loans (one year) | $5,590,072 |
Graduating and withdrawing students at NHTI carry a median federal debt of $9,168 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,168 |
| Students who completed (graduates) | $14,650 |
| Students who withdrew | $6,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at NHTI.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,393 |
| 75th percentile | $15,759 |
| 90th percentile (highest-debt students) | $23,750 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at NHTI.
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 NHTI.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 463 | $13,000 |
| Completed (graduates) | 115 | $15,590 |
| Did not complete | 348 | $12,049 |
On a standard 10-year plan, the median completing borrower would pay about $185.38/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at NHTI.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 297 | $11,043 |
| No Stafford loan this year | 166 | $16,587 |
Repayment burden translates the debt figures into what a borrower actually pays each month. NHTI.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for NHTI is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.7% |
| Borrowers in the cohort | 1287 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $9,500 |
| Middle income | $9,168 |
| High income | $8,250 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,379 |
| Continuing-generation students | $8,751 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,595 |
| Independent students | $11,450 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at NHTI.
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.
Worth Knowing
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.