by our College Data Analytics TeamHere you will find what students actually borrow to attend Gould’s Academy - Bartlett— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Gould’s Academy - Bartlett, 77% of incoming undergraduates borrow in year one, with a typical loan of $6,826 per student, private and federal loans combined.
On the federal side, the average loan is $6,826. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at Gould’s Academy - Bartlett, 53% use federal student loans to help pay for their education, averaging $6,810 a year. That is 0.2% below the first-year federal average of $6,826.
Borrowing the same amount each year would add up to roughly $13,620 in two years and roughly $27,240 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 53% |
| Average federal loan per year | $6,810 |
| Undergraduates with a federal loan | 146 |
| Total federal loans (one year) | $994,286 |
Graduating and withdrawing students at Gould’s Academy - Bartlett carry a median federal debt of $7,767 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,767 |
| Students who completed (graduates) | $7,767 |
| Students who withdrew | $3,476 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Gould’s Academy - Bartlett.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,303 |
| 25th percentile | $4,584 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $10,269 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Gould’s Academy - Bartlett.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Gould’s Academy - Bartlett.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 87 | $7,342 |
The indicators below describe what the typical debt costs to pay back at Gould’s Academy - Bartlett.
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 | $7,767 |
| Middle income | $7,677 |
| High income | $7,917 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,767 |
| Continuing-generation students | $7,767 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $7,767 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Gould’s Academy - Bartlett.
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.