by our College Data Analytics TeamBelow is federal data on the loans students use to pay for York County School of Technology-Adult & Continuing Education, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At York County School of Technology, 66% of new students use loans toward freshman-year expenses, at roughly $7,500 per borrower, covering both private and federal loans.
Federal loans alone average $7,430. 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.
Among all degree-seeking undergrads at York County School of Technology, 20% borrow through federal student loan programs, with a mean of $7,310 per year. This works out to 1.6% smaller than the freshman federal average of $7,430.
Repeating that yearly amount projects to about $14,620 after two years and $29,240 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 20% |
| Average federal loan per year | $7,310 |
| Undergraduates with a federal loan | 168 |
| Total federal loans (one year) | $1,228,039 |
Graduating and withdrawing students at York County School of Technology carry a median federal debt of $9,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for York County School of Technology.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,398 |
| 25th percentile | $5,301 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
How wide this percentile range is tells you how much borrowing varies across students at York County School of Technology.
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 York County School of Technology.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 21 | $6,570 |
Repayment burden translates the debt figures into what a borrower actually pays each month. York County School of Technology.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for York County School of Technology follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.1% |
| Borrowers in the cohort | 58 |
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 | $9,500 |
| Middle income | $9,500 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for York County School of Technology.
Subsidized vs. 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.