by our College Data Analytics TeamThis page focuses on the debt students take on to attend YTI Career Institute-York: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At YTI, 88% of freshmen borrow to help pay for their first year, borrowing on average $8,567 each — a figure that counts both private and federal student loans.
The average federally funded loan is $6,987. This reaches or tops the $5,500 first-year federal borrowing cap 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.
Looking at all undergraduates at YTI, freshmen included, 71% take out federal student loans, with a mean of $4,330 a year. This works out to 38.0% less than the first-year federal average of $6,987.
At a steady annual pace, that totals around $8,660 in two years and roughly $17,320 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 71% |
| Average federal loan per year | $4,330 |
| Undergraduates with a federal loan | 615 |
| Total federal loans (one year) | $2,663,215 |
The middle borrower at YTI owes $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $13,426 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for YTI.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $5,500 |
| 75th percentile | $14,500 |
| 90th percentile (highest-debt students) | $20,570 |
How wide this percentile range is tells you how much borrowing varies across students at YTI.
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 YTI.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 174 | $9,806 |
| Completed (graduates) | 102 | $12,945 |
| Did not complete | 72 | $7,473 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $153.93/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 YTI.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 164 | — |
| No Stafford loan this year | 10 | — |
The indicators below describe what the typical debt costs to pay back at YTI.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for YTI follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.1% |
| Borrowers in the cohort | 1363 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $10,083 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $12,262 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,960 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at YTI.
The Difference Between Subsidized and 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.
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.