by our College Data Analytics TeamThis page focuses on the debt students take on to attend Ohio State University Agricultural Technical Institute: 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.
For incoming students at Ohio State University Agricultural Technical Institute, 46% of first-year students take on loan debt, with a typical loan of $6,219 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $4,828, amounting to 87.8% of the $5,500 first-year federal borrowing limit for a 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.
For undergraduates overall at Ohio State University Agricultural Technical Institute, 45% finance part of their studies with federal loans, at an average of $5,160 in federal loans per year. This works out to 6.9% higher than the first-year federal average of $4,828.
Carrying that yearly figure forward comes to roughly $10,320 across two years and $20,640 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 45% |
| Average federal loan per year | $5,160 |
| Undergraduates with a federal loan | 192 |
| Total federal loans (one year) | $990,698 |
The middle borrower at Ohio State University Agricultural Technical Institute owes $14,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,500 |
| Students who completed (graduates) | $19,976 |
| Students who withdrew | $7,000 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Ohio State University Agricultural Technical Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $6,500 |
| 75th percentile | $26,350 |
| 90th percentile (highest-debt students) | $31,700 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Ohio State University Agricultural Technical Institute.
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 Ohio State University Agricultural Technical Institute.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 6065 | $20,783 |
| Completed (graduates) | 4152 | $25,868 |
| Did not complete | 1913 | $15,687 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $307.6/mo.
Federal data lets us separate Stafford borrowers from the rest at Ohio State University Agricultural Technical Institute.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 5935 | $20,955 |
| No Stafford loan | 130 | $14,946 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 5204 | $21,518 |
| No Stafford loan this year | 861 | $17,533 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Ohio State University Agricultural Technical Institute.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Ohio State University Agricultural Technical Institute follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.9% |
| Borrowers in the cohort | 11599 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $12,643 |
| Middle income | $13,000 |
| High income | $15,984 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,000 |
| Continuing-generation students | $15,250 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,500 |
| Independent students | $15,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Ohio State University Agricultural Technical Institute.
The Difference Between 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.
Important to Remember
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.