by our College Data Analytics TeamThis page focuses on the debt students take on to attend Rochester Community and Technical College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at Rochester Community and Technical College, 27% of incoming undergraduates borrow in year one, at roughly $5,556 each, across private and federal loan sources.
The typical federal loan comes to $5,021, or about 91.3% of the typical first-year dependent student borrowing cap of $5,500. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Rochester Community and Technical College, freshmen included, 29% take out federal student loans, at an average of $6,151 each per year. That amounts to 22.5% above the $5,021 typical freshmen borrow.
At a steady annual pace, that totals around $12,302 over two years and about $24,604 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 29% |
| Average federal loan per year | $6,151 |
| Undergraduates with a federal loan | 913 |
| Total federal loans (one year) | $5,616,256 |
Graduating and withdrawing students at Rochester Community and Technical College carry a median federal debt of $9,250 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,250 |
| Students who completed (graduates) | $14,743 |
| Students who withdrew | $6,994 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Rochester Community and Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,467 |
| 25th percentile | $4,500 |
| 75th percentile | $16,250 |
| 90th percentile (highest-debt students) | $27,000 |
How wide this percentile range is tells you how much borrowing varies across students at Rochester Community and Technical College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Rochester Community and Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 232 | $11,553 |
| Completed (graduates) | 59 | $10,866 |
| Did not complete | 173 | $12,300 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $129.21/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Rochester Community and Technical College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 222 | — |
| No Stafford loan | 10 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 119 | $10,100 |
| No Stafford loan this year | 113 | $14,053 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Rochester Community and Technical College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Rochester Community and Technical College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.8% |
| Borrowers in the cohort | 1722 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,776 |
| Middle income | $9,250 |
| High income | $7,323 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $8,250 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,750 |
| Independent students | $12,175 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Rochester Community and 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.
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.