by our College Data Analytics TeamHere you will find what students actually borrow to attend Thaddeus Stevens College of Technology: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Thaddeus Stevens College of Technology, 53% of first-year students take on loan debt, borrowing on average $6,472 per student, private and federal loans combined.
The typical federal loan comes to $4,611, amounting to 83.8% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Thaddeus Stevens College of Technology, freshmen included, 56% finance part of their studies with federal loans, averaging $4,892 per year. That amounts to 6.1% greater than the first-year federal average of $4,611.
Repeating that yearly amount projects to about $9,784 by year two and around $19,568 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 | 56% |
| Average federal loan per year | $4,892 |
| Undergraduates with a federal loan | 810 |
| Total federal loans (one year) | $3,962,652 |
The median student at Thaddeus Stevens College of Technology borrows $6,625 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,625 |
| Students who completed (graduates) | $9,990 |
| Students who withdrew | $4,422 |
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 Thaddeus Stevens College of Technology.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,484 |
| 25th percentile | $3,046 |
| 75th percentile | $12,000 |
| 90th percentile (highest-debt students) | $13,364 |
How wide this percentile range is tells you how much borrowing varies across students at Thaddeus Stevens College of Technology.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Thaddeus Stevens College of Technology.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 85 | $13,000 |
| Completed (graduates) | 55 | $14,059 |
| Did not complete | 30 | $9,740 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $167.18/mo.
Federal data lets us separate Stafford borrowers from the rest at Thaddeus Stevens College of Technology.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 74 | — |
| No Stafford loan this year | 11 | — |
These figures turn the debt totals into a monthly repayment picture for Thaddeus Stevens College of Technology.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Thaddeus Stevens College of Technology follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.1% |
| Borrowers in the cohort | 231 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $4,514 |
| Middle income | $6,890 |
| High income | $11,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,500 |
| Continuing-generation students | $8,250 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,598 |
| Independent students | $6,699 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Thaddeus Stevens College of Technology.
The Difference Between Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Worth Knowing
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.