by our College Data Analytics TeamThis page focuses on the debt students take on to attend Arizona School of Integrative Studies— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Among first-year students at ASIS Massage Education, 75% of incoming students take out a loan to help cover first-year costs, for an average of $4,780 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $4,780, which is 86.9% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at ASIS Massage Education (freshmen included), 56% borrow through federal student loan programs, with a mean of $5,447 in federal loans per year. That amounts to 14.0% more than the $4,780 borrowed by freshmen.
Borrowing at that rate every year works out to about $10,894 after two years and $21,788 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 56% |
| Average federal loan per year | $5,447 |
| Undergraduates with a federal loan | 142 |
| Total federal loans (one year) | $773,529 |
The middle borrower at ASIS Massage Education owes $8,347 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,347 |
| Students who completed (graduates) | $8,444 |
| Students who withdrew | $4,221 |
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 ASIS Massage Education.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,126 |
| 25th percentile | $4,584 |
| 75th percentile | $7,917 |
| 90th percentile (highest-debt students) | $7,917 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at ASIS Massage Education.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at ASIS Massage Education.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 23 | $7,000 |
The indicators below describe what the typical debt costs to pay back at ASIS Massage Education.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $8,444 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,127 |
| Continuing-generation students | $8,444 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,889 |
| Independent students | $8,444 |
Federal data publishes the following gap measures for ASIS Massage Education.
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
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.