by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Academy of Massage and Bodywork, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For undergraduates overall at Academy of Massage and Bodywork, 46% finance part of their studies with federal loans, with a mean of $5,613 per year.
At a steady annual pace, that totals around $11,226 across two years and $22,452 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 46% |
| Average federal loan per year | $5,613 |
| Undergraduates with a federal loan | 76 |
| Total federal loans (one year) | $426,556 |
Graduating and withdrawing students at Academy of Massage and Bodywork carry a median federal debt of $6,333 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,333 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for Academy of Massage and Bodywork.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,243 |
| 25th percentile | $4,354 |
| 75th percentile | $6,967 |
| 90th percentile (highest-debt students) | $6,967 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Academy of Massage and Bodywork.
These figures turn the debt totals into a monthly repayment picture for Academy of Massage and Bodywork.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Academy of Massage and Bodywork appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.2% |
| Borrowers in the cohort | 49 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,666 |
| Independent students | $6,333 |
Federal data publishes the following gap measures for Academy of Massage and Bodywork.
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.
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.