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IPEDS ID: 239220
OPE ID: 00538000
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Mid-State Technical College
500 32nd St N, Wisconsin Rapids, Wisconsin 54494
General information:  (715) 422-5300
Website:  www.mstc.edu/
Type:  2-year, Public
Awards offered:  Less than one year certificate
One but less than two years certificate
Associate's degree
Two but less than 4 years certificate
Campus setting:  Town: Distant
Campus housing:  No
Student population:  3,144 (all undergraduate)
Student-to-faculty ratio:  13 to 1
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open-close General Information
Admissionswww.mstc.edu/admissions
Apply Onlinewww.mstc.edu/apply
Financial Aidwww.mstc.edu/paying-for-college/financial-aid
Net Price Calculatorwww.mstc.edu/paying-for-college/financial-aid/netcalc/npcalc
Tuition Policies for Servicemembers and Veteranswww.mstc.edu/veterans/veterans-benefits
Disability Serviceswww.mstc.edu/student-services/disability-services
Mission Statement
  Mid-State Technical College transforms lives through the power of teaching and learning.
Special Learning Opportunities
Distance education – undergraduate programs offered
Weekend/evening college
Student Services
Academic/career counseling service
Employment services for students
Placement services for completers
Undergraduate students enrolled who are formally registered with office of disability services, Fall 2023
7.00%
High school students enrolled in college courses for credit, 2023-2024
2,530
Carnegie Classification
Associate's Colleges: High Career & Technical-High Nontraditional
Religious Affiliation
Not applicable
Federal Aid
Eligible students may receive Pell Grants and other federal aid (e.g. Direct Loans).
For-credit instruction programs offered
Occupational
Academic
Recreational or avocational (leisure) programs
Adult basic or high school equivalency
Secondary (high school)
Noncredit education offered
Workforce Education
Contract Training/Customized Training
Developmental Education
Recreational/Avocational/Leisure/Personal Enrichment
Adult Basic Education
Adult High School Diploma or Equivalent
English as a Second Language
Continuing Professional Education
Credit Accepted
Credit for life experiences
Advanced placement (AP) credits
Faculty by primary function, Fall 2024Full timePart time
Total faculty77116
Instructional77116
Research and public service00
open-close Tuition, Fees, and Estimated Student Expenses
Estimated Expenses for Full-time Beginning Undergraduate Students
  • Beginning students are those who are entering postsecondary education for the first time.
Estimated expenses for academic year2021-20222022-20232023-20242024-2025% change 2023-2024 to 2024-2025
Tuition and fees
In-state$4,417$4,760$4,886$5,0022.4%
Out-of-state$6,351$6,850$7,016$7,1712.2%
Books and supplies$1,940$1,988$2,062$1,465-29.0%
Living arrangement
Off Campus
Food and Housing$7,844$8,360$9,614$9,147-4.9%
Other expenses$3,846$4,074$4,338$7,71077.7%
Off Campus with Family
Food and Housing---$3,008 -
Other expenses$3,846$4,074$4,338$7,71077.7%
Total Expenses2021-20222022-20232023-20242024-2025% change 2023-2024 to 2024-2025
In-state
Off Campus$18,047$19,182$20,900$23,32411.6%
Off Campus with Family$10,203$10,822$11,286$14,17725.6%
Out-of-state
Off Campus$19,981$21,272$23,030$25,49310.7%
Off Campus with Family$12,137$12,912$13,416$16,34621.8%
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This calculator uses estimated student expenses data to estimate the total tuition and fees charged over the duration of a typical 2-year program at this school.
1. Select starting academic year
2. Select tuition inflation rate
 
 
% (0-100 allowed)
  • The output is only an estimate and not a guarantee of the actual amount the student may be charged; it is not binding on the Secretary, the institution of higher education, or the State; and it may change, subject to the availability of financial assistance, State appropriations, and other factors. The student must complete the Free Application for Federal Student Aid (FAFSA) to be eligible for, and receive, an actual financial aid award that includes federal grant, loan, or work-study assistance.
  • The estimated price does not include Food and Housing, books and supplies, etc. (where applicable) and is based on previous years' tuition and fees data. Tuition and fees may vary by program. Please contact this institution for detailed price information.
  • Estimated yearly tuition and fees may not sum to totals because of rounding.
Estimate the total tuition and fee costs over the duration of a typical program.
 Multiyear Tuition Calculator
Alternative Tuition Plans and Promise Program
Type of PlanOffered
Tuition guarantee plan
Prepaid tuition plan
Tuition payment planX
Other alternative tuition plan
  • Does not participate in Promise program
open-close Financial Aid
Undergraduate Student Financial Aid, 2023-2024
Full-time Beginning Undergraduate Students
  • Beginning students are those who are entering postsecondary education for the first time.
Type of AidNumber awarded aidPercent awarded aidTotal amount of aid awardedAverage amount of aid awarded
Any student financial aid114073%————
Grant or scholarship aid10153%$700,985$6,940
Federal grants6936%$541,916$7,854
Pell grants6936%$537,516$7,790
Other federal grants116%$4,400$400
State/local government grant or scholarships6433%$92,093$1,439
Institutional grants or scholarships4121%$66,976$1,634
Student loan aid5127%$179,297$3,516
Federal student loans5026%$164,837$3,297
Other student loans(*)1%(*)(*)
  • 1 Includes students awarded Federal work study aid and aid from other sources not listed above.
  • (*) Number awarded aid and total and average amounts of aid awarded are withheld to preserve the privacy of individuals.
All Undergraduate Students
Type of AidNumber awarded aidPercent awarded aidTotal amount of aid awardedAverage amount of aid awarded
Degree/certificate-seeking
Grant or scholarship aid189543%$4,654,811$5,201
Pell grants70434%$3,026,245$4,299
Federal student loans50124%$1,911,942$3,816
Non-degree/non-certificate-seeking
Grant or scholarship aid1(*)0%(*)(*)
  • 1 Grant or scholarship aid includes aid awarded, from the federal government, state or local government, the institution, and other sources known by the institution.
  • (*) Average amounts are withheld to preserve the confidentiality of individuals.

  • For more information on Student Financial Assistance Programs or to apply for financial aid via the web, visit Federal Student Aid.
open-close Net Price
Average Net Price for Full-Time Beginning Students
Full-time beginning undergraduate students who paid the in-state or in-district tuition rate and were awarded grant or scholarship aid from federal, state or local governments, or the institution.
2021-20222022-20232023-2024
Average net price$9,439$10,303$10,537
Full-time beginning undergraduate students who paid the in-state or in-district tuition rate and were awarded Title IV aid by income.
Average net price by Income2021-20222022-20232023-2024
$0 – $30,000$6,864$9,252$8,618
$30,001 – $48,000$8,646$9,115$8,128
$48,001 – $75,000$10,530$11,381$10,965
$75,001 – $110,000$12,921$14,502$15,029
$110,001 and more$13,710$15,269$15,312
  • Average net price is generated by subtracting the average amount of federal, state/local government, or institutional grant or scholarship aid from the total cost of attendance. Total cost of attendance is the sum of published tuition and required fees (lower of in-district or in-state), books and supplies, and the weighted average for Food and Housing and other expenses.
  • Beginning students are those who are entering postsecondary education for the first time.
  • Title IV aid to students includes grant aid, work study aid, and loan aid. These include: Federal Pell Grants, Federal Supplemental Educational Opportunity Grants (FSEOG), Teacher Education Assistance for College and Higher Education (TEACH) Grants, Federal Work-Study, Subsidized Direct Loans, and Unsubsidized Direct Loans. For those Title IV recipients, net price is reported by income category and includes students awarded federal aid even if none of that aid was provided in the form of grants. While Title IV status defines the cohort of student for which the data are reported, the definition of net price remains the same – total cost of attendance minus grant aid.
Net Price Calculator
An institution’s net price calculator allows current and prospective students, families, and other consumers to estimate the net price of attending that institution for a particular student.
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open-close Enrollment
Fall 2024
Total enrollment (all undergraduate)3,144
Undergraduate transfer-in enrollment111
Attendance StatusStudent Gender
Attendance Status: Full-time: 23% Part-time: 77%Student Gender: Male: 44% Female: 56%
Student Race/ethnicity
Student Race/ethnicity: American Indian or Alaska Native: 1% Asian: 3% Black or African American: 2% Hispanic/Latino: 6% Native Hawaiian or other Pacific Islander: 0% White: 82% Two or more races: 3% Race/ethnicity unknown: 3% U.S. Nonresident: 0%
Undergraduate Student AgeUndergraduate Student Residence
Undergraduate Student Age: 24 and under: 66% 25 and over: 34% Age unknown: 0%Undergraduate Student Residence: In-state: 98% Out-of-state: 2% Foreign countries: 0% Unknown: 0%
  • Age data are reported for Fall 2023.
  • Residence data are reported for first-time degree/certificate-seeking undergraduates.
Undergraduate Distance Education Status
Undergraduate Enrollment by Distance Education Status: Enrolled exclusively in distance education courses: 25% Enrolled in some, but not all, distance education courses: 36% Not enrolled in any distance education courses: 38%
open-close Admissions
  • This institution has an open admission policy. Contact the institution for more information.
open-close Retention and Graduation Rates
First-to-Second Year Retention Rates

Retention rates measure the percentage of first-time students who return to the institution to continue their studies the following fall.

Retention Rates for First-Time Students
Student retention: Full-time students: 73% Part-time students: 62%
Percentage of Students Who Began Their Studies in Fall 2023 and Returned in Fall 2024
Overall Graduation Rate and Transfer-Out Rate

The overall graduation rate is also known as the "Student Right to Know" or IPEDS graduation rate. It tracks the progress of students who began their studies as full-time, first-time degree- or certificate-seeking students to see if they complete a degree or other award such as a certificate within 150% of "normal time" for completing the program in which they are enrolled.

Some institutions also report a transfer-out rate, which is the percentage of the full-time, first-time students who transferred to another institution without completing at the current institution.

Note that not all students at the institution are tracked for these rates. Students who have already attended another postsecondary institution, or who began their studies on a part-time basis, are not tracked for this rate. At this institution, 26 percent of entering students were counted as "full-time, first-time" in 2024.

Overall Graduation and Transfer-Out Rates for Students Who Began Their Studies in Fall 2021
Overall graduation rate: Overall graduation rate: 52% Transfer-out rate: 3%
Percentage of Full-time, First-Time Students Who Graduated or Transferred Out Within 150% of "Normal Time" to Completion for Their Program
Overall graduation rate by gender
Overall graduation rate by gender: Male: 55% Female: 46%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2021 and Graduated Within 150% of "Normal Time" to Completion for Their Program
Overall graduation rate by race/ethnicity
Overall graduation rate by race/ethnicity: American Indian or Alaska Native: 50% Asian: 0% Black or African American: 0% Hispanic/Latino: 38% White: 55% Race/ethnicity unknown: 33% U.S. Nonresident: 0%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2021 and Graduated Within 150% of "Normal Time" to Completion for Their Program
Graduation Rates by Time to Completion

Graduation rates can be measured over different lengths of time. "Normal time" is the typical amount of time it takes full-time students to complete their program. For example, the "normal" amount of time for many associate's degree programs is 2 years. Not all students complete within the normal time, so graduation rates are measured by other lengths of time as well, including "150% of normal time" (e.g., 3 years for a 2-year program) and "200% of normal time," or twice as long as the normal time (e.g., 4 years for a 2-year program).

Graduation Rates for Students Who Began Their Program in Fall 2020 or Fall 2021, by Time to Completion
Graduation Rates for Students Who Began Their Program in Fall 2020 or Fall 2021, by Time to Completion [Began in Fall 2020] Within "Normal time" for the program: 40% Within 150% of "Normal time" for the program: 54% Within Twice as Long as "Normal time" for the program: 58% [Began in Fall 2021] Within "Normal time" for the program: 40% Within 150% of "Normal time" for the program: 52% Within Twice as Long as "Normal time" for the program: %
Percentage of Full-time, First-time Students Who Graduated in the Specified Amount of Time
open-close Outcome Measures
  • Alternative measures of student success are reported by degree-granting institutions to describe the outcomes of degree/certificate-seeking undergraduate students who are not only first-time, full-time students, but also part-time attending and non-first-time (transfer-in) students. These measures are also reported for students receiving Pell grants and those students that do not receive Pell grants. These measures provide the 8-year award-completion rates by award level (certificates, associate's and bachelor degrees) after entering an institution. For students who did not earn any undergraduate award after 8-years of entry, the enrollment statuses are reported as either still enrolled at the institution, or subsequently transferred out of the institution. Unlike the Graduation Rates data, all reporting institutions must report on their transfer outs regardless if the institution has a mission that provides substantial transfer preparation.
FULL-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2016-17
Award and enrollment rate: [All students] Received a certificate: 22% Received an Associate's degree: 24% Enrolled at same institution: 1% Enrolled at different institution: 19% [Pell] Received a certificate: 22% Received an Associate's degree: 19% Enrolled at same institution: 1% Enrolled at different institution: 21% [Non-Pell] Received a certificate: 23% Received an Associate's degree: 30% Enrolled at same institution: 1% Enrolled at different institution: 17%
PART-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2016-17
Award and enrollment rate: [All students] Received a certificate: 27% Received an Associate's degree: 12% Enrolled at same institution: 1% Enrolled at different institution: 14% [Pell] Received a certificate: 20% Received an Associate's degree: 14% Enrolled at same institution: 4% Enrolled at different institution: 12% [Non-Pell] Received a certificate: 31% Received an Associate's degree: 10% Enrolled at same institution: 0% Enrolled at different institution: 16%
FULL-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2016-17
Award and enrollment rate: [All students] Received a certificate: 34% Received an Associate's degree: 28% Enrolled at same institution: 1% Enrolled at different institution: 12% [Pell] Received a certificate: 17% Received an Associate's degree: 28% Enrolled at same institution: 2% Enrolled at different institution: 21% [Non-Pell] Received a certificate: 43% Received an Associate's degree: 28% Enrolled at same institution: 0% Enrolled at different institution: 8%
PART-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2016-17
Award and enrollment rate: [All students] Received a certificate: 23% Received an Associate's degree: 20% Enrolled at same institution: 1% Enrolled at different institution: 24% [Pell] Received a certificate: 13% Received an Associate's degree: 18% Enrolled at same institution: 1% Enrolled at different institution: 29% [Non-Pell] Received a certificate: 27% Received an Associate's degree: 21% Enrolled at same institution: 1% Enrolled at different institution: 22%
open-close Programs/Majors
Completions (Number of awards conferred) 2023-2024
Completions are the number of awards conferred by program and award level.
sort byProgram<12
week
Certificate
12
week
to
<1
year
Certificate		1
to
<2
year
Certificate		2
to
<4
year
Certificate		Associate
  • Data shown are for first majors.
  • (-) Program is not offered at this award level.
  • d identifies programs and award levels that are offered as a distance education program. For program category totals, d is shown if one or more programs in the category are offered as a distance education program.
Agricultural/Animal/Plant/Veterinary Science and Related Fields
Agribusiness/Agricultural Business Operations----3
Agricultural Production Operations, General--5--
Agronomy and Crop Science--4--
Applied Horticulture/Horticultural Business Services, Other-3---
Farm/Farm and Ranch Management-0---
Category total-39-3
Business, Management, Marketing, and Related Support Services
Accounting----20
Accounting Technology/Technician and Bookkeeping--34--
Administrative Assistant and Secretarial Science, General----4
Business Administration and Management, General----60
Business/Office Automation/Technology/Data Entry--5--
Customer Service Support/Call Center/Teleservice Operation-8---
Digital Marketing-10--11
Entrepreneurship/Entrepreneurial Studies--67--
Hospitality Administration/Management, General----4
Human Resources Management/Personnel Administration, General--72-0
Knowledge Management----0
Marketing/Marketing Management, General----0
Office Management and Supervision----1
Project Management-580--
Sales, Distribution, and Marketing Operations, General-13---
Tourism and Travel Services Marketing Operations-1---
Category total-90178-100
Computer and Information Sciences and Support Services
Computer and Information Systems Security/Auditing/Information Assurance----6
Computer Programming/Programmer, General-0--11
Computer Support Specialist-5--5
Computer Systems Networking and Telecommunications-0--3
Category total-5--25
Construction Trades
Carpentry/Carpenter-6---
Construction Trades, Other-28---
Electrical and Power Transmission Installers, Other-0---
Electrician-31---
Mason/Masonry-0---
Pipefitting/Pipefitter and Sprinkler Fitter-13---
Plumbing Technology/Plumber-4---
Category total-82---
Culinary, Entertainment, and Personal Services
Barbering/Barber-4---
Cosmetology/Cosmetologist, General--24--
Culinary Arts/Chef Training----4
Food Service, Waiter/Waitress, and Dining Room Management/Manager-5---
Nail Technician/Specialist and Manicurist-16---
Category total-2524-4
Education
Early Childhood Education and Teaching--0-6
Category total--0-6
Engineering/Engineering-related Technologies/Technicians
Civil Engineering Technologies/Technicians----5
Electrical, Electronic, and Communications Engineering Technology/Technician----0
Energy Systems Technology/Technician----1
Engineering/Industrial Management----3
Instrumentation Technology/Technician-4--3
Category total-4--12
Family and Consumer Sciences/Human Sciences
Child Development-0---
Category total-0---
Health Professions and Related Programs
Clinical/Medical Laboratory Technician----0
Emergency Medical Technology/Technician (EMT Paramedic)55615-0
Health and Wellness, General----4
Health Information/Medical Records Administration/Administrator----5
Licensed Practical/Vocational Nurse Training--0--
Medical Insurance Coding Specialist/Coder--20d--
Medical Reception/Receptionist--0--
Medical/Clinical Assistant--17--
Nursing Assistant/Aide and Patient Care Assistant/Aide1933---
Pharmacy Technician/Assistant--0-0
Phlebotomy Technician/Phlebotomist-11---
Registered Nursing/Registered Nurse----67
Respiratory Care Therapy/Therapist----6
Sterile Processing Technology/Technician-0---
Surgical Technology/Technologist--16-0
Category total1987068d-82
Homeland Security, Law Enforcement, Firefighting and Related Protective Services
Corrections----15
Criminal Justice/Police Science-44---
Criminal Justice/Safety Studies----14
Fire Science/Fire-fighting-04-0
Fire Services Administration----1
Category total-444-30
Liberal Arts and Sciences, General Studies and Humanities
Liberal Arts and Sciences/Liberal Studies----20
Category total----20
Mechanic and Repair Technologies/Technicians
Automobile/Automotive Mechanics Technology/Technician--106-
Diesel Mechanics Technology/Technician--3--
Heating, Air Conditioning, Ventilation and Refrigeration Maintenance Technology/Technician-230--
Heavy Equipment Maintenance Technology/Technician---5-
Industrial Electronics Technology/Technician-6---
Industrial Mechanics and Maintenance Technology/Technician-3--6
Category total-3213116
Multi/Interdisciplinary Studies
Multi-/Interdisciplinary Studies, General----0
Multi-/Interdisciplinary Studies, Other----2
Category total----2
Natural Resources and Conservation
Urban Forestry----1
Category total----1
Precision Production
Ironworking/Ironworker-0---
Machine Tool Technology/Machinist-5130-
Metal Fabricator--1--
Sheet Metal Technology/Sheetworking-0---
Welding Technology/Welder23-12--
Category total235260-
Transportation and Materials Moving
Construction/Heavy Equipment/Earthmoving Equipment Operation-0---
Category total-0---
Grand total22136032211291
open-close Servicemembers and Veterans
Services and Programs for Servicemembers and Veterans
Credit for military training
Dedicated point of contact for support services for veterans, military servicemembers, and their families
Member of Department of Defense Voluntary Educational Partnership Memorandum of Understanding
Tuition policies specifically for Veterans and Servicemembers
Educational Benefits, 2023-2024
Number of students receiving benefits/assistance
Number of students receiving benefits/assistance: Post-9/11 GI Bill Benefits: 37
Average amount of benefits/assistance disbursed through the institution
Average amount of benefits/assistance disbursed through the institution: Post-9/11 GI Bill Benefits: $2,195
RETENTION, GRADUATION, AND TRANSFER-OUT
RETENTION RATES FOR FIRST-TIME, DEGREE/CERTIFICATE EDUCATION BENEFIT USERS
RETENTION RATES FOR FIRST-TIME, DEGREE/CERTIFICATE EDUCATION BENEFIT USERS Full-time students: 88% Part-time students: 50%
  • Retention rate is the percentage of undergraduate students who began their studies in academic year 2013-14 and returned in academic year 2014-15
GRADUATION AND TRANSFER-OUT RATES FOR FIRST-TIME EDUCATION BENEFIT USERS
Rates by time to completion2010-112011-12
Graduation rate
150 percent of normal time13%44%
200 percent of normal time13%--
Transfer-out rate
150 percent of normal time38%22%
200 percent of normal time38%--
  • Depending on the program length, graduation and transfer-out rates can be measured over different lengths of time. The academic years, 2010-11 and 2011-12, are the cohort years students entered an institution. "Normal time" is the typical amount of time it takes full-time students to complete their program from the time they entered an institution. For example, the "normal" amount of time (or 100% time) for many associate's degree programs is 2 years. Not all students complete within the normal time, so graduation rates are measured by other lengths of time as well, including "150% of normal time" (e.g., completion within 3 years for a 2-year program) and "200% of normal time," or twice as long as the normal time (e.g., completion within 4 years for a 2-year program).
  • (--) not applicable
open-close Varsity Athletic Teams
  • No varsity sports data reported for this institution. Data on varsity athletics are submitted annually as required by the Equity in Athletics Disclosure Act (EADA), by all co-educational postsecondary institutions that have an intercollegiate athletics program. For the most recent data collection, EADA did not collect data on varsity athletics for programs that were cancelled due to the Coronavirus Pandemic.
open-close Accreditation
Institutional Accreditation
AccreditorStatusNext Review Date
Higher Learning CommissionAccredited since ((!)01/01/1979)08/31/2025
Programmatic Accreditation
Accreditor / ProgramStatusNext Review Date
Accreditation Commission for Education in Nursing, Inc. – May 6, 2013 Formerly: National League for Nursing Accrediting Commission
Nursing (ADNUR) - Associate degree programsAccredited since (01/01/1994)12/31/2030
  • (!) Estimated date
  • For more detailed information on accreditation for this institution, including all actions and justification for actions, visit OPE's Database of Accredited Postsecondary Institutions and Programs: ope.ed.gov/dapip/#/institution-profile/150145.
open-close Campus Security and Safety
On-Campus
Criminal Offenses201920202021
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape000
d. Fondling000
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary000
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201920202021
a. Domestic violence000
b. Dating violence000
c. Stalking000
Arrests201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations000
c. Liquor law violations000
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations000
c. Liquor law violations000
  • The crime data reported by the institutions have not been subjected to independent verification by the U.S. Department of Education. Therefore, the Department cannot vouch for the accuracy of the data reported here.
  • The crime statistics displayed only includes On-Campus data associated with the main campus as listed on College Navigator. For statistics associated with each campus location, off campus data, and for additional information covering Hate Crimes, and Fire statistics see https://ope.ed.gov/campussafety.
  • The On-Campus data do not include incidents that: (a) took place on public property, including thoroughfares, streets, sidewalks, and parking facilities, that is within the campus, or immediately adjacent to and accessible from the campus; (b) took place on any building or property owned or controlled by a student organization that is officially recognized by the institution; or (c) took place on any building or property owned or controlled by an institution that is used in direct support of, or in relation to, the institution's educational purposes, is frequently used by students, and is not within the same reasonably contiguous geographic area of the institution.
open-close Cohort Default Rates
Three-year Official Cohort Default Rates
Fiscal Year202120202019
Default rate0.0%0.0%3.3%
Number in default0022
Number in repayment592597660
Aid Programs
  • Federal Direct Loan (Direct Loan)