by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Welder Training and Testing Institute, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At WTTI specifically, 42% of incoming undergraduates borrow in year one, at roughly $6,611 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $6,611. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at WTTI, 46% finance part of their studies with federal loans, at an average of $6,851 each per year. This is 3.6% above the freshman federal average of $6,611.
Borrowing at that rate every year works out to about $13,702 across two years and $27,404 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 46% |
| Average federal loan per year | $6,851 |
| Undergraduates with a federal loan | 37 |
| Total federal loans (one year) | $253,500 |
The median student at WTTI borrows $5,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at WTTI.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
Repayment burden translates the debt figures into what a borrower actually pays each month. WTTI.
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 WTTI follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.3% |
| Borrowers in the cohort | 52 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Federal data publishes the following gap measures for WTTI.
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
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.