by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Mandalyn Academy, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Mandalyn Academy, 29% of incoming undergraduates borrow in year one, for an average of $4,453 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $4,453, which is 81.0% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at Mandalyn Academy, 36% borrow through federal student loan programs, averaging $5,147 annually. It comes to 15.6% more than the $4,453 borrowed by freshmen.
Borrowing at that rate every year works out to about $10,294 after two years and $20,588 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 36% |
| Average federal loan per year | $5,147 |
| Undergraduates with a federal loan | 38 |
| Total federal loans (one year) | $195,593 |
The middle borrower at Mandalyn Academy owes $6,333 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Mandalyn Academy.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $6,086 |
| 75th percentile | $11,765 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Mandalyn Academy.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Mandalyn Academy appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 3 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,333 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,087 |
| Independent students | $6,333 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Mandalyn Academy.
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.
Did You Know?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.