by our College Data Analytics TeamBelow is federal data on the loans students use to pay for YTI Career Institute-Altoona— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
For incoming students at YTI Career Institute-Altoona, 83% of new students use loans toward freshman-year expenses, with a typical loan of $11,504 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $8,648. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at YTI Career Institute-Altoona (freshmen included), 43% finance part of their studies with federal loans, at an average of $7,338 a year. That is 15.1% lower than the $8,648 borrowed by freshmen.
Borrowing at that rate every year works out to about $14,676 over two years and about $29,352 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 43% |
| Average federal loan per year | $7,338 |
| Undergraduates with a federal loan | 75 |
| Total federal loans (one year) | $550,345 |
The middle borrower at YTI Career Institute-Altoona owes $6,334 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,334 |
| Students who withdrew | $5,635 |
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 YTI Career Institute-Altoona.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,089 |
| 25th percentile | $5,496 |
| 75th percentile | $14,062 |
| 90th percentile (highest-debt students) | $20,144 |
How wide this percentile range is tells you how much borrowing varies across students at YTI Career Institute-Altoona.
Repayment burden translates the debt figures into what a borrower actually pays each month. YTI Career Institute-Altoona.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for YTI Career Institute-Altoona is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.7% |
| Borrowers in the cohort | 179 |
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.
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,552 |
| Independent students | $6,334 |
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
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.