by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Northeast Texas Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
For incoming students at NTCC, 16% of incoming students take out a loan to help cover first-year costs, with a typical loan of $7,705 each — a figure that counts both private and federal student loans.
The average federally funded loan is $7,028. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at NTCC, freshmen included, 15% finance part of their studies with federal loans, for a typical $7,201 per year. That amounts to 2.5% higher than the first-year federal average of $7,028.
Carrying that yearly figure forward comes to roughly $14,402 by year two and around $28,804 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 15% |
| Average federal loan per year | $7,201 |
| Undergraduates with a federal loan | 329 |
| Total federal loans (one year) | $2,369,052 |
Graduating and withdrawing students at NTCC carry a median federal debt of $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $10,946 |
| Students who withdrew | $8,250 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at NTCC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $14,079 |
| 90th percentile (highest-debt students) | $23,426 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at NTCC.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at NTCC.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 132 | $12,845 |
| Completed (graduates) | 21 | $11,162 |
| Did not complete | 111 | $13,664 |
On a standard 10-year plan, the median completing borrower would pay about $132.73/mo.
Federal data lets us separate Stafford borrowers from the rest at NTCC.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 122 | — |
| No Stafford loan | 10 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 21 | $7,880 |
| No Stafford loan this year | 111 | $17,000 |
These figures turn the debt totals into a monthly repayment picture for NTCC.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for NTCC appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 18.1% |
| Borrowers in the cohort | 77 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $9,500 |
| High income | $6,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $8,625 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $10,500 |
Federal data publishes the following gap measures for NTCC.
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.