by our College Data Analytics TeamHere you will find what students actually borrow to attend Northeast State 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 Northeast State Technical Community College, 0% of first-year students take on loan debt, with a typical loan of $16,726 per borrower, covering both private and federal loans.
Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
| 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 Northeast State Technical Community College carry a median federal debt of $3,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,500 |
| Students who completed (graduates) | $6,827 |
| Students who withdrew | $3,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Northeast State Technical Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,000 |
| 25th percentile | $1,750 |
| 75th percentile | $5,500 |
| 90th percentile (highest-debt students) | $9,000 |
How wide this percentile range is tells you how much borrowing varies across students at Northeast State Technical Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Northeast State Technical Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 130 | $9,596 |
| Completed (graduates) | 30 | $6,150 |
| Did not complete | 100 | $10,898 |
On a standard 10-year plan, the median completing borrower would pay about $73.13/mo.
These figures turn the debt totals into a monthly repayment picture for Northeast State Technical Community College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Northeast State Technical Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 19.0% |
| Borrowers in the cohort | 995 |
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 | $3,500 |
| Middle income | $3,735 |
| High income | $2,750 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $3,859 |
| Continuing-generation students | $2,250 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,500 |
| Independent students | $3,815 |
Federal data publishes the following gap measures for Northeast State Technical Community College.
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
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.