by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Orange Ulster BOCES-Practical Nursing Program, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For incoming students at Orange Ulster BOCES-Practical Nursing Program, 100% of incoming students take out a loan to help cover first-year costs, at roughly $9,704 each, across private and federal loan sources.
Federal loans alone average $9,704. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at Orange Ulster BOCES-Practical Nursing Program, 67% rely on federal student loans toward their education, averaging $7,070 a year. That is 27.1% below the freshman federal average of $9,704.
Carrying that yearly figure forward comes to roughly $14,140 in two years and roughly $28,280 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 67% |
| Average federal loan per year | $7,070 |
| Undergraduates with a federal loan | 48 |
| Total federal loans (one year) | $339,338 |
The middle borrower at Orange Ulster BOCES-Practical Nursing Program owes $11,880 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,880 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for Orange Ulster BOCES-Practical Nursing Program.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $6,520 |
| 25th percentile | $7,973 |
| 75th percentile | $11,880 |
| 90th percentile (highest-debt students) | $11,880 |
How wide this percentile range is tells you how much borrowing varies across students at Orange Ulster BOCES-Practical Nursing Program.
Repayment burden translates the debt figures into what a borrower actually pays each month. Orange Ulster BOCES-Practical Nursing Program.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Orange Ulster BOCES-Practical Nursing Program appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.5% |
| Borrowers in the cohort | 70 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $11,880 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,973 |
| Independent students | $11,880 |
Federal data publishes the following gap measures for Orange Ulster BOCES-Practical Nursing Program.
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
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.