by our College Data Analytics TeamHere you will find what students actually borrow to attend SUNY College of Technology at Delhi— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at SUNY Delhi, 67% of freshmen borrow to help pay for their first year, averaging $7,959 each — a figure that counts both private and federal student loans.
Federal loans alone average $5,601. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at SUNY Delhi, 55% finance part of their studies with federal loans, borrowing on average $6,364 annually. This is 13.6% greater than the $5,601 freshmen take on.
Repeating that yearly amount projects to about $12,728 by year two and around $25,456 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 55% |
| Average federal loan per year | $6,364 |
| Undergraduates with a federal loan | 1,406 |
| Total federal loans (one year) | $8,947,122 |
Graduating and withdrawing students at SUNY Delhi carry a median federal debt of $12,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $15,180 |
| Students who withdrew | $9,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at SUNY Delhi.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,930 |
| 25th percentile | $5,500 |
| 75th percentile | $18,866 |
| 90th percentile (highest-debt students) | $27,000 |
How wide this percentile range is tells you how much borrowing varies across students at SUNY Delhi.
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 SUNY Delhi.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 712 | $13,612 |
| Completed (graduates) | 260 | $16,789 |
| Did not complete | 452 | $13,084 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $199.64/mo.
Federal data lets us separate Stafford borrowers from the rest at SUNY Delhi.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 699 | — |
| No Stafford loan | 13 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 607 | $13,614 |
| No Stafford loan this year | 105 | $13,409 |
These figures turn the debt totals into a monthly repayment picture for SUNY Delhi.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for SUNY Delhi appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.4% |
| Borrowers in the cohort | 1117 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $12,894 |
| Middle income | $11,383 |
| High income | $11,508 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $11,917 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,695 |
| Independent students | $13,818 |
Federal data publishes the following gap measures for SUNY Delhi.
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.
Important to Remember
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.