MTI College
Sacramento, CA
Affordability & debt
- Average net price
- $21,740per year, after aid
- Undergraduates with a federal loan
- 30%
- Undergraduates receiving a Pell grant
- 47%need-based, not repaid
- Typical debt at graduation
- $8,836federal loans, students who finished
- Reducing their balance within 3 years
- 47%of borrowers who entered repayment
What that debt costs to repay. Typical debt here is about $8,836. At 7% over 10 years — the standard federal plan — that is roughly $103 a month, about $12,311 repaid in total, of which $3,475 is interest.
Stretch the same balance over 25 years and the payment drops to $62 a month — but the total climbs to $18,735, roughly $6,424 more in interest. A smaller payment is not a smaller loan.
An estimate, not financial advice: straight amortization at a fixed rate, ignoring fees, interest accrued while enrolled, and any forgiveness or income-driven plan. Figures on this page are averages and medians — what any one family borrows and pays varies widely. Try your own numbers.
MTI College’s net price calculator — every college is required to publish one. It is the only way to get a cost estimate based on your family’s own finances rather than an average.
Admissions
- Acceptance rate
- 63%
Context for the class as a whole, not a prediction about any one applicant.
Outcomes
- Median earnings
- $45,32810 years after entry
Median earnings of former students who received federal aid, measured 10 years after they started.
Campus life
- Campus setting
- Suburb: Large
Most common fields of study
- Health professions46%
- Culinary & personal services32%
- Computer & information sciences8%
- Business & marketing7%
- Legal studies7%
Share of degrees awarded, by broad field.
What borrowing would really cost
Starting from the typical debt at MTI College. Change any figure to see your own.
Standard plan — 10 years
$103per month
- Total repaid
- $12,311
- Interest paid
- $3,475
Longer term — 25 years
$62per month
- Total repaid
- $18,735
- Interest paid
- $9,899
Borrow $8,836 and repay it over 25 years instead of 10, and you pay $6,424 more — $18,735 in all, about 2.1× what you borrowed. The monthly payment is smaller; the loan is not.
An estimate, not financial advice. Straight amortization at a fixed rate: it assumes every payment is made on time and the rate never changes, and it leaves out fees, interest that accrues while you’re still enrolled, and any forgiveness or income-driven plan. Planning4College is not a financial advisor and sells no loans. Check real terms with your school’s financial aid office and studentaid.gov.
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