by our College Data Analytics TeamThis page focuses on the debt students take on to attend Orleans 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.
Among first-year students at Orleans Technical College, 81% of new students use loans toward freshman-year expenses, with a typical loan of $6,883 per borrower, covering both private and federal loans.
The average federal loan is $6,740. This reaches or tops the $5,500 first-year federal borrowing cap 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.
Across the full undergraduate body at Orleans Technical College (freshmen included), 51% use federal student loans to help pay for their education, at an average of $7,194 annually. That amounts to 6.7% higher than the $6,740 typical freshmen borrow.
Repeating that yearly amount projects to about $14,388 across two years and $28,776 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 51% |
| Average federal loan per year | $7,194 |
| Undergraduates with a federal loan | 256 |
| Total federal loans (one year) | $1,841,764 |
Graduating and withdrawing students at Orleans Technical College carry a median federal debt of $7,521 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,521 |
| Students who completed (graduates) | $7,521 |
| Students who withdrew | $3,761 |
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 Orleans Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,345 |
| 25th percentile | $4,425 |
| 75th percentile | $7,521 |
| 90th percentile (highest-debt students) | $10,284 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Orleans 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 Orleans Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 65 | $7,448 |
These figures turn the debt totals into a monthly repayment picture for Orleans Technical College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Orleans Technical College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.9% |
| Borrowers in the cohort | 495 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,521 |
| Middle income | $6,526 |
| High income | $4,354 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,521 |
| Continuing-generation students | $4,354 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,354 |
| Independent students | $7,521 |
Federal data publishes the following gap measures for Orleans Technical College.
The Difference Between 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.
Important to Remember
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.