by our College Data Analytics TeamHere you will find what students actually borrow to attend European Massage Therapy School-Las Vegas: 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.
Counting every undergraduate at European Massage Therapy School-Las Vegas, 46% take out federal student loans, at an average of $5,950 annually.
Borrowing the same amount each year would add up to roughly $11,900 after two years and $23,800 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 46% |
| Average federal loan per year | $5,950 |
| Undergraduates with a federal loan | 64 |
| Total federal loans (one year) | $380,768 |
Graduating and withdrawing students at European Massage Therapy School-Las Vegas carry a median federal debt of $5,657 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,657 |
| Students who completed (graduates) | $5,657 |
| Students who withdrew | $3,728 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at European Massage Therapy School-Las Vegas.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,728 |
| 25th percentile | $4,787 |
| 75th percentile | $5,759 |
| 90th percentile (highest-debt students) | $6,439 |
How wide this percentile range is tells you how much borrowing varies across students at European Massage Therapy School-Las Vegas.
The indicators below describe what the typical debt costs to pay back at European Massage Therapy School-Las Vegas.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for European Massage Therapy School-Las Vegas follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.1% |
| Borrowers in the cohort | 126 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $5,272 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,657 |
| Continuing-generation students | $5,473 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,728 |
| Independent students | $5,657 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at European Massage Therapy School-Las Vegas.
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.
Did You Know?
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.