by our College Data Analytics TeamThis page focuses on the debt students take on to attend Spartan College of Aeronautics and Technology: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
At Spartan College - Tulsa, 26% of incoming students take out a loan to help cover first-year costs, for an average of $8,045 per student, private and federal loans combined.
The average federal loan is $7,641. 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.
Across the full undergraduate body at Spartan College - Tulsa (freshmen included), 6% borrow through federal student loan programs, borrowing on average $7,444 per year. This works out to 2.6% smaller than the first-year federal average of $7,641.
Carrying that yearly figure forward comes to roughly $14,888 in two years and roughly $29,776 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 6% |
| Average federal loan per year | $7,444 |
| Undergraduates with a federal loan | 45 |
| Total federal loans (one year) | $334,973 |
The middle borrower at Spartan College - Tulsa owes $14,726 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,726 |
| Students who completed (graduates) | $16,750 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Spartan College - Tulsa.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $8,750 |
| 75th percentile | $19,350 |
| 90th percentile (highest-debt students) | $25,125 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Spartan College - Tulsa.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Spartan College - Tulsa.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 286 | $26,912 |
| Completed (graduates) | 199 | $28,738 |
| Did not complete | 87 | $17,466 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $341.73/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Spartan College - Tulsa.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 274 | — |
| No Stafford loan this year | 12 | — |
These figures turn the debt totals into a monthly repayment picture for Spartan College - Tulsa.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Spartan College - Tulsa is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.2% |
| Borrowers in the cohort | 723 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $16,000 |
| Middle income | $14,343 |
| High income | $12,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,500 |
| Continuing-generation students | $15,187 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,080 |
| Independent students | $17,175 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Spartan College - Tulsa.
Subsidized vs. 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.
Did You Know?
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.