by our College Data Analytics TeamHere you will find what students actually borrow to attend Northshore Technical Community 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 Northshore Technical College-Sullivan Main Campus, 31% of incoming undergraduates borrow in year one, borrowing on average $5,862 per borrower, covering both private and federal loans.
Federal loans alone average $5,862. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Northshore Technical College-Sullivan Main Campus, 43% borrow through federal student loan programs, borrowing on average $7,272 annually. This is 24.1% above the first-year federal average of $5,862.
Carrying that yearly figure forward comes to roughly $14,544 after two years and $29,088 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 43% |
| Average federal loan per year | $7,272 |
| Undergraduates with a federal loan | 922 |
| Total federal loans (one year) | $6,704,838 |
The median student at Northshore Technical College-Sullivan Main Campus borrows $7,772 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,772 |
| Students who completed (graduates) | $12,000 |
| Students who withdrew | $6,250 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Northshore Technical College-Sullivan Main Campus.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,801 |
| 25th percentile | $2,750 |
| 75th percentile | $5,500 |
| 90th percentile (highest-debt students) | $8,552 |
How wide this percentile range is tells you how much borrowing varies across students at Northshore Technical College-Sullivan Main Campus.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Northshore Technical College-Sullivan Main Campus.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 186 | $8,722 |
| Completed (graduates) | 25 | $5,200 |
| Did not complete | 161 | $9,250 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $61.83/mo.
Federal data lets us separate Stafford borrowers from the rest at Northshore Technical College-Sullivan Main Campus.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 115 | $7,056 |
| No Stafford loan this year | 71 | $10,231 |
The indicators below describe what the typical debt costs to pay back at Northshore Technical College-Sullivan Main Campus.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Northshore Technical College-Sullivan Main Campus is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.6% |
| Borrowers in the cohort | 446 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $8,750 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,900 |
| Continuing-generation students | $7,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Northshore Technical College-Sullivan Main Campus.
Subsidized vs. 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?
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.