by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Taylor Andrews Academy-St George— 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.
At Taylor Andrews specifically, 39% of incoming students take out a loan to help cover first-year costs, at roughly $6,759 each, across private and federal loan sources.
The average federal loan is $5,516. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Taylor Andrews, 33% finance part of their studies with federal loans, at an average of $5,277 annually. That is 4.3% under the $5,516 freshmen take on.
Borrowing at that rate every year works out to about $10,554 across two years and $21,108 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 33% |
| Average federal loan per year | $5,277 |
| Undergraduates with a federal loan | 79 |
| Total federal loans (one year) | $416,914 |
The middle borrower at Taylor Andrews owes $7,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,000 |
| Students who completed (graduates) | $7,505 |
| Students who withdrew | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Taylor Andrews.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,125 |
| 25th percentile | $5,362 |
| 75th percentile | $10,556 |
| 90th percentile (highest-debt students) | $13,542 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Taylor Andrews.
These figures turn the debt totals into a monthly repayment picture for Taylor Andrews.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Taylor Andrews follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 0 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
| Middle income | $7,562 |
| High income | $7,667 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,000 |
| Continuing-generation students | $7,532 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,235 |
| Independent students | $7,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Taylor Andrews.
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.
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.