by our College Data Analytics TeamThis page focuses on the debt students take on to attend York Technical College, 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 York Technical College, 10% of incoming students take out a loan to help cover first-year costs, at roughly $4,335 per borrower, covering both private and federal loans.
The typical federal loan comes to $4,219, or about 76.7% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at York Technical College, 11% rely on federal student loans toward their education, for a typical $4,331 annually. This works out to 2.7% larger than the first-year federal average of $4,219.
Borrowing at that rate every year works out to about $8,662 across two years and $17,324 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 11% |
| Average federal loan per year | $4,331 |
| Undergraduates with a federal loan | 422 |
| Total federal loans (one year) | $1,827,676 |
The middle borrower at York Technical College owes $5,136 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,136 |
| Students who completed (graduates) | $7,000 |
| Students who withdrew | $3,828 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at York Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,250 |
| 75th percentile | $9,000 |
| 90th percentile (highest-debt students) | $16,250 |
How wide this percentile range is tells you how much borrowing varies across students at York Technical College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at York Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 303 | $11,000 |
| Completed (graduates) | 82 | $9,698 |
| Did not complete | 221 | $11,426 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $115.32/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 York Technical College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 133 | $10,057 |
| No Stafford loan this year | 170 | $11,070 |
The indicators below describe what the typical debt costs to pay back at York Technical College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for York Technical College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.7% |
| Borrowers in the cohort | 442 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $5,250 |
| Middle income | $5,250 |
| High income | $4,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,194 |
| Continuing-generation students | $5,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,295 |
| Independent students | $6,000 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at York Technical College.
The Difference Between Subsidized and 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.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.