by our College Data Analytics TeamBelow is federal data on the loans students use to pay for International Air and Hospitality Academy, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Graduating and withdrawing students at International Air and Hospitality Academy carry a median federal debt of $6,333 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $3,093 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for International Air and Hospitality Academy.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,199 |
| 25th percentile | $4,219 |
| 75th percentile | $7,600 |
| 90th percentile (highest-debt students) | $7,600 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at International Air and Hospitality Academy.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at International Air and Hospitality Academy.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 210 | $7,037 |
| Completed (graduates) | 167 | $7,509 |
| Did not complete | 43 | $5,458 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $89.29/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at International Air and Hospitality Academy.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 200 | — |
| No Stafford loan | 10 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 198 | — |
| No Stafford loan this year | 12 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. International Air and Hospitality Academy.
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 International Air and Hospitality Academy is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.5% |
| Borrowers in the cohort | 596 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
| Middle income | $4,400 |
| High income | $4,400 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,333 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,400 |
| Independent students | $7,600 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at International Air and Hospitality Academy.
The Difference Between Subsidized and 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
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.