by our College Data Analytics TeamThis page focuses on the debt students take on to attend Florida School of Massage, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Florida School of Massage, 54% of incoming undergraduates borrow in year one, borrowing on average $5,343 per student, private and federal loans combined.
The average federally funded loan is $5,343, which is 97.1% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Florida School of Massage, 44% use federal student loans to help pay for their education, borrowing on average $5,170 in federal loans per year. It comes to 3.2% below the freshman federal average of $5,343.
Borrowing the same amount each year would add up to roughly $10,340 by year two and around $20,680 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 44% |
| Average federal loan per year | $5,170 |
| Undergraduates with a federal loan | 64 |
| Total federal loans (one year) | $330,902 |
The median student at Florida School of Massage borrows $7,073 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,073 |
| Students who completed (graduates) | $7,073 |
| Students who withdrew | $3,536 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Florida School of Massage.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,094 |
| 25th percentile | $5,152 |
| 75th percentile | $7,073 |
| 90th percentile (highest-debt students) | $7,073 |
How wide this percentile range is tells you how much borrowing varies across students at Florida School of Massage.
These figures turn the debt totals into a monthly repayment picture for Florida School of Massage.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Florida School of Massage is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.2% |
| Borrowers in the cohort | 147 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,073 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,073 |
| Continuing-generation students | $7,073 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Florida School of Massage.
Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
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.