by our College Data Analytics TeamThis page focuses on the debt students take on to attend North Georgia Technical College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At North Georgia Technical College, 3% of first-year students take on loan debt, with a typical loan of $7,163 apiece. This figure includes both private and federally funded student loans.
Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 0% |
| Undergraduates with a federal loan | 0 |
| Total federal loans (one year) | $0 |
Graduating and withdrawing students at North Georgia Technical College carry a median federal debt of $5,657 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,657 |
| Students who completed (graduates) | $7,823 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for North Georgia Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,232 |
| 75th percentile | $12,652 |
| 90th percentile (highest-debt students) | $20,035 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at North Georgia 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 North Georgia Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 65 | $9,387 |
Repayment burden translates the debt figures into what a borrower actually pays each month. North Georgia Technical College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for North Georgia Technical College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 0 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,956 |
| Middle income | $5,500 |
| High income | $3,881 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,292 |
| Continuing-generation students | $4,625 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,093 |
| Independent students | $8,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at North Georgia Technical College.
The Difference Between Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
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.