by our College Data Analytics TeamThis page focuses on the debt students take on to attend Northern Virginia School of Therapeutic Massage, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Across the full undergraduate body at NVSTM (freshmen included), 30% take out federal student loans, averaging $5,826 in federal loans per year.
Borrowing the same amount each year would add up to roughly $11,652 by year two and around $23,304 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 30% |
| Average federal loan per year | $5,826 |
| Undergraduates with a federal loan | 47 |
| Total federal loans (one year) | $273,800 |
The median student at NVSTM borrows $6,333 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $3,167 |
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 NVSTM.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,484 |
| 25th percentile | $4,281 |
| 75th percentile | $6,333 |
| 90th percentile (highest-debt students) | $6,333 |
How wide this percentile range is tells you how much borrowing varies across students at NVSTM.
Repayment burden translates the debt figures into what a borrower actually pays each month. NVSTM.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
| Middle income | $6,333 |
| High income | $3,666 |
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 | $3,666 |
| Independent students | $6,333 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at NVSTM.
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.
Worth Knowing
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.