by our College Data Analytics TeamThis page focuses on the debt students take on to attend Pine Technical & Community College: 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.
Among first-year students at Pine Technical & Community College, 24% of incoming undergraduates borrow in year one, with a typical loan of $6,057 each, across private and federal loan sources.
The typical federal loan comes to $5,868. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Pine Technical & Community College, freshmen included, 30% use federal student loans to help pay for their education, averaging $6,873 per year. That amounts to 17.1% larger than the first-year federal average of $5,868.
Borrowing the same amount each year would add up to roughly $13,746 by year two and around $27,492 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 30% |
| Average federal loan per year | $6,873 |
| Undergraduates with a federal loan | 170 |
| Total federal loans (one year) | $1,168,415 |
The median student at Pine Technical & Community College borrows $9,933 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,933 |
| Students who completed (graduates) | $14,392 |
| Students who withdrew | $7,393 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Pine Technical & Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,277 |
| 75th percentile | $22,751 |
| 90th percentile (highest-debt students) | $35,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Pine Technical & Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Pine Technical & Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 24 | $6,482 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Pine Technical & Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Pine Technical & Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.9% |
| Borrowers in the cohort | 286 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $12,353 |
| Middle income | $9,865 |
| High income | $7,125 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,500 |
| Continuing-generation students | $8,750 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,500 |
| Independent students | $13,125 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Pine Technical & Community 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.
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.