by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Renton Technical College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Renton Technical College specifically, 6% of freshmen borrow to help pay for their first year, at roughly $6,797 per student, private and federal loans combined.
On the federal side, the average loan is $6,797. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Renton Technical College, freshmen included, 6% use federal student loans to help pay for their education, at an average of $6,330 annually. That is 6.9% below the $6,797 typical freshmen borrow.
Repeating that yearly amount projects to about $12,660 by year two and around $25,320 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 6% |
| Average federal loan per year | $6,330 |
| Undergraduates with a federal loan | 92 |
| Total federal loans (one year) | $582,342 |
Graduating and withdrawing students at Renton Technical College carry a median federal debt of $6,993 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,993 |
| Students who completed (graduates) | $7,920 |
| Students who withdrew | $6,766 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Renton Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,901 |
| 25th percentile | $3,386 |
| 75th percentile | $10,046 |
| 90th percentile (highest-debt students) | $15,980 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Renton Technical College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Renton Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 113 | $10,000 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Renton Technical College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 17 | — |
| No Stafford loan this year | 96 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Renton Technical College.
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 Renton Technical College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.1% |
| Borrowers in the cohort | 239 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,572 |
| Middle income | $7,106 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,697 |
| Continuing-generation students | $7,643 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $7,920 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Renton 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?
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.