by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Dolce The Academy: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At Dolce The Academy, 89% of first-year students take on loan debt, with a typical loan of $4,338 per student, private and federal loans combined.
The typical federal loan comes to $4,338, or about 78.9% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at Dolce The Academy (freshmen included), 71% finance part of their studies with federal loans, averaging $4,913 each per year. That amounts to 13.3% higher than the $4,338 freshmen take on.
Repeating that yearly amount projects to about $9,826 in two years and roughly $19,652 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 71% |
| Average federal loan per year | $4,913 |
| Undergraduates with a federal loan | 47 |
| Total federal loans (one year) | $230,892 |
The middle borrower at Dolce The Academy owes $8,665 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,665 |
| Students who completed (graduates) | $9,833 |
| Students who withdrew | $5,605 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Dolce The Academy.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $4,750 |
| 75th percentile | $9,833 |
The indicators below describe what the typical debt costs to pay back at Dolce The Academy.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,288 |
| Independent students | $9,500 |
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.
Worth Knowing
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.