by our College Data Analytics TeamThis page focuses on the debt students take on to attend Schuylkill Technology Center, 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 Schuylkill Technology Center, 63% of first-year students take on loan debt, borrowing on average $6,934 each — a figure that counts both private and federal student loans.
The average federally funded loan is $6,934. This is at or above the $5,500 first-year federal borrowing cap that applies to 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 Schuylkill Technology Center, freshmen included, 45% take out federal student loans, for a typical $6,801 each per year. It comes to 1.9% lower than the freshman federal average of $6,934.
Carrying that yearly figure forward comes to roughly $13,602 over two years and about $27,204 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 45% |
| Average federal loan per year | $6,801 |
| Undergraduates with a federal loan | 47 |
| Total federal loans (one year) | $319,629 |
Graduating and withdrawing students at Schuylkill Technology Center carry a median federal debt of $9,873 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,873 |
| Students who completed (graduates) | $15,275 |
| Students who withdrew | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Schuylkill Technology Center.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $4,530 |
| 75th percentile | $17,060 |
The indicators below describe what the typical debt costs to pay back at Schuylkill Technology Center.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Schuylkill Technology Center appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.6% |
| Borrowers in the cohort | 86 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $8,300 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,075 |
| Independent students | $11,503 |
Subsidized vs. 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.
Did You Know?
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.