by our College Data Analytics TeamBelow is federal data on the loans students use to pay for West Georgia Technical College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at West Georgia Technical College, 14% of first-year students take on loan debt, for an average of $5,276 apiece. This figure includes both private and federally funded student loans.
The average federally funded loan is $5,259, amounting to 95.6% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at West Georgia Technical College, 17% finance part of their studies with federal loans, borrowing on average $5,816 a year. This is 10.6% more than the $5,259 borrowed by freshmen.
At a steady annual pace, that totals around $11,632 over two years and about $23,264 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 17% |
| Average federal loan per year | $5,816 |
| Undergraduates with a federal loan | 823 |
| Total federal loans (one year) | $4,786,322 |
The middle borrower at West Georgia Technical College owes $5,642 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,642 |
| Students who completed (graduates) | $11,110 |
| Students who withdrew | $4,812 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at West Georgia Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,501 |
| 25th percentile | $2,750 |
| 75th percentile | $10,720 |
| 90th percentile (highest-debt students) | $19,830 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at West Georgia Technical College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at West Georgia Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 347 | $9,176 |
| Completed (graduates) | 78 | $9,520 |
| Did not complete | 269 | $9,100 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $113.2/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at West Georgia Technical College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 79 | $8,698 |
| No Stafford loan this year | 268 | $9,188 |
The indicators below describe what the typical debt costs to pay back at West Georgia 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. Two-year cohort default-rate data for West Georgia Technical College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 0 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $6,447 |
| Middle income | $5,668 |
| High income | $4,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,595 |
| Continuing-generation students | $5,848 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,543 |
| Independent students | $7,523 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at West Georgia Technical College.
Subsidized vs. 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.
Did You Know?
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.