by our College Data Analytics TeamThis page focuses on the debt students take on to attend Rosedale Technical College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Rosedale Technical College, 59% of incoming undergraduates borrow in year one, borrowing on average $9,160 per student, private and federal loans combined.
The typical federal loan comes to $7,989. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Rosedale Technical College, 74% take out federal student loans, borrowing on average $9,818 in federal loans per year. That is 22.9% more than the $7,989 freshmen take on.
At a steady annual pace, that totals around $19,636 over two years and about $39,272 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 74% |
| Average federal loan per year | $9,818 |
| Undergraduates with a federal loan | 301 |
| Total federal loans (one year) | $2,955,073 |
The middle borrower at Rosedale Technical College owes $12,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $12,000 |
| Students who withdrew | $5,500 |
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 Rosedale Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,925 |
| 25th percentile | $5,500 |
| 75th percentile | $16,538 |
| 90th percentile (highest-debt students) | $20,000 |
How wide this percentile range is tells you how much borrowing varies across students at Rosedale Technical College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Rosedale Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 101 | $14,000 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Rosedale 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 Rosedale Technical College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.0% |
| Borrowers in the cohort | 248 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $12,000 |
| Middle income | $12,000 |
| High income | $12,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $11,684 |
| Continuing-generation students | $12,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $9,624 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Rosedale Technical College.
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.
Worth Knowing
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.