by our College Data Analytics TeamHere you will find what students actually borrow to attend South Texas Vocational Technical Institute-Weslaco— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At South Texas Vocational Technical Institute-Weslaco specifically, 88% of first-year students take on loan debt, for an average of $6,836 per borrower, covering both private and federal loans.
The average federal loan is $6,736. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at South Texas Vocational Technical Institute-Weslaco, 86% rely on federal student loans toward their education, with a mean of $6,029 each per year. It comes to 10.5% lower than the $6,736 typical freshmen borrow.
Repeating that yearly amount projects to about $12,058 over two years and about $24,116 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 86% |
| Average federal loan per year | $6,029 |
| Undergraduates with a federal loan | 600 |
| Total federal loans (one year) | $3,617,419 |
Graduating and withdrawing students at South Texas Vocational Technical Institute-Weslaco carry a median federal debt of $10,661 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,661 |
| Students who completed (graduates) | $15,917 |
| Students who withdrew | $6,334 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for South Texas Vocational Technical Institute-Weslaco.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,530 |
| 25th percentile | $6,333 |
| 75th percentile | $13,000 |
| 90th percentile (highest-debt students) | $16,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at South Texas Vocational Technical Institute-Weslaco.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at South Texas Vocational Technical Institute-Weslaco.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1418 | $5,198 |
| Completed (graduates) | 847 | $6,007 |
| Did not complete | 571 | $4,120 |
On a standard 10-year plan, the median completing borrower would pay about $71.43/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at South Texas Vocational Technical Institute-Weslaco.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1404 | — |
| No Stafford loan | 14 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1271 | $5,093 |
| No Stafford loan this year | 147 | $6,500 |
The indicators below describe what the typical debt costs to pay back at South Texas Vocational Technical Institute-Weslaco.
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 South Texas Vocational Technical Institute-Weslaco is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.7% |
| Borrowers in the cohort | 1420 |
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 | $10,657 |
| Middle income | $11,457 |
| High income | $9,111 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,587 |
| Continuing-generation students | $12,139 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,500 |
| Independent students | $11,943 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at South Texas Vocational Technical Institute-Weslaco.
The Difference Between 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.
Worth Knowing
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.