by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Wichita Technical Institute, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at WTI, 58% of incoming students take out a loan to help cover first-year costs, borrowing on average $8,088 per student, private and federal loans combined.
The average federal loan is $8,088. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at WTI, 54% take out federal student loans, borrowing on average $7,227 per year. This is 10.6% below the $8,088 freshmen take on.
Repeating that yearly amount projects to about $14,454 by year two and around $28,908 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 54% |
| Average federal loan per year | $7,227 |
| Undergraduates with a federal loan | 934 |
| Total federal loans (one year) | $6,750,130 |
The median student at WTI borrows $9,833 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,833 |
| Students who completed (graduates) | $13,000 |
| Students who withdrew | $5,779 |
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 WTI.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $4,500 |
| 75th percentile | $16,500 |
| 90th percentile (highest-debt students) | $18,515 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at WTI.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for WTI.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 132 | $6,000 |
| Completed (graduates) | 92 | $7,000 |
| Did not complete | 40 | $4,959 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $83.24/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. WTI.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for WTI follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.6% |
| Borrowers in the cohort | 1263 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $9,931 |
| Middle income | $9,834 |
| High income | $7,857 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,795 |
| Continuing-generation students | $12,899 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,667 |
| Independent students | $13,000 |
Federal data publishes the following gap measures for WTI.
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.
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.