by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Northland Community and Technical College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Northland Community and Technical College, 38% of new students use loans toward freshman-year expenses, for an average of $6,010 per student, private and federal loans combined.
Federal loans alone average $5,179, which is 94.2% of the typical first-year dependent student borrowing cap of $5,500. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Northland Community and Technical College, 41% use federal student loans to help pay for their education, with a mean of $6,412 per year. This works out to 23.8% larger than the $5,179 typical freshmen borrow.
Borrowing at that rate every year works out to about $12,824 across two years and $25,648 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 41% |
| Average federal loan per year | $6,412 |
| Undergraduates with a federal loan | 573 |
| Total federal loans (one year) | $3,674,360 |
The middle borrower at Northland Community and Technical College owes $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $12,000 |
| Students who withdrew | $6,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Northland Community and Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,500 |
| 75th percentile | $16,900 |
| 90th percentile (highest-debt students) | $28,750 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Northland Community and 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 Northland Community and Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 99 | $7,500 |
| Completed (graduates) | 37 | $6,199 |
| Did not complete | 62 | $8,285 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $73.71/mo.
Federal data lets us separate Stafford borrowers from the rest at Northland Community and Technical College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 64 | $6,099 |
| No Stafford loan this year | 35 | $11,144 |
The indicators below describe what the typical debt costs to pay back at Northland Community and Technical College.
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 Northland Community and Technical College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.4% |
| Borrowers in the cohort | 1439 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $10,500 |
| Middle income | $9,394 |
| High income | $8,251 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,301 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,648 |
| Independent students | $14,000 |
Federal data publishes the following gap measures for Northland Community and 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?
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.