by our College Data Analytics TeamThis page focuses on the debt students take on to attend Oklahoma Technical 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.
Looking at the entering class at Oklahoma Technical College, 77% of first-year students take on loan debt, borrowing on average $6,963 per student, private and federal loans combined.
The average federal loan is $6,963. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at Oklahoma Technical College, 73% take out federal student loans, averaging $6,920 in federal loans per year. This is 0.6% under the first-year federal average of $6,963.
Borrowing at that rate every year works out to about $13,840 by year two and around $27,680 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 73% |
| Average federal loan per year | $6,920 |
| Undergraduates with a federal loan | 158 |
| Total federal loans (one year) | $1,093,320 |
The median student at Oklahoma Technical College borrows $7,934 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,934 |
| Students who completed (graduates) | $8,898 |
| Students who withdrew | $5,370 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Oklahoma Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,666 |
| 25th percentile | $6,089 |
| 75th percentile | $13,389 |
| 90th percentile (highest-debt students) | $17,347 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Oklahoma 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 Oklahoma Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 137 | $7,000 |
| Completed (graduates) | 113 | $7,545 |
| Did not complete | 24 | $5,795 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $89.72/mo.
These figures turn the debt totals into a monthly repayment picture for Oklahoma Technical College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Oklahoma Technical College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.5% |
| Borrowers in the cohort | 1092 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,830 |
| Middle income | $8,558 |
| High income | $7,990 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,904 |
| Continuing-generation students | $8,188 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,125 |
| Independent students | $8,204 |
Federal data publishes the following gap measures for Oklahoma 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.
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.