by our College Data Analytics TeamHere you will find what students actually borrow to attend Zion Massage College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Zion Massage College, 37% of freshmen borrow to help pay for their first year, averaging $4,891 apiece. This figure includes both private and federally funded student loans.
The average federally funded loan is $4,891, or about 88.9% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Zion Massage College, 39% take out federal student loans, at an average of $5,858 a year. That amounts to 19.8% more than the first-year federal average of $4,891.
Borrowing the same amount each year would add up to roughly $11,716 over two years and about $23,432 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 39% |
| Average federal loan per year | $5,858 |
| Undergraduates with a federal loan | 34 |
| Total federal loans (one year) | $199,174 |
The median student at Zion Massage College borrows $9,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
These figures turn the debt totals into a monthly repayment picture for Zion Massage College.
Subsidized vs. 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
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.