by our College Data Analytics TeamThis page focuses on the debt students take on to attend Southern Crescent Technical College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Southern Crescent Technical College, 10% of incoming undergraduates borrow in year one, for an average of $6,311 per student, private and federal loans combined.
The average federal loan is $6,229. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at Southern Crescent Technical College, 15% use federal student loans to help pay for their education, averaging $7,538 per year. This works out to 21.0% more than the freshman federal average of $6,229.
At a steady annual pace, that totals around $15,076 over two years and about $30,152 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 | 15% |
| Average federal loan per year | $7,538 |
| Undergraduates with a federal loan | 601 |
| Total federal loans (one year) | $4,530,320 |
Graduating and withdrawing students at Southern Crescent Technical College carry a median federal debt of $6,334 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,334 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $5,792 |
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 Southern Crescent Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,000 |
| 25th percentile | $2,000 |
| 75th percentile | $7,382 |
| 90th percentile (highest-debt students) | $9,824 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Southern Crescent Technical College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Southern Crescent Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 307 | $9,045 |
| Completed (graduates) | 52 | $7,513 |
| Did not complete | 255 | $9,232 |
On a standard 10-year plan, the median completing borrower would pay about $89.34/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Southern Crescent Technical College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 87 | $9,000 |
| No Stafford loan this year | 220 | $9,173 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Southern Crescent 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. The federal two-year cohort default rate for Southern Crescent Technical College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 1 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,067 |
| Middle income | $6,267 |
| High income | $3,689 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,622 |
| Continuing-generation students | $5,219 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,000 |
| Independent students | $7,917 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Southern Crescent Technical College.
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?
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.