by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Ogeechee Technical College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Looking at the entering class at Ogeechee Technical College, 3% of new students use loans toward freshman-year expenses, for an average of $5,699 per student, private and federal loans combined.
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 |
The middle borrower at Ogeechee Technical College owes $7,328 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,328 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $5,916 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Ogeechee Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $4,000 |
| 75th percentile | $12,250 |
| 90th percentile (highest-debt students) | $19,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Ogeechee Technical College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Ogeechee Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 136 | $9,411 |
| Completed (graduates) | 48 | $7,900 |
| Did not complete | 88 | $9,815 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $93.94/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. Ogeechee Technical College.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,792 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,006 |
| Independent students | $9,000 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Ogeechee Technical College.
Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
Worth Knowing
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.