by our College Data Analytics TeamThis page focuses on the debt students take on to attend Bel-Rea Institute of Animal Technology— 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 Bel-Rea Intitute specifically, 96% of freshmen borrow to help pay for their first year, borrowing on average $6,501 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $5,945. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Bel-Rea Intitute, freshmen included, 75% take out federal student loans, averaging $8,320 in federal loans per year. This works out to 39.9% greater than the first-year federal average of $5,945.
Repeating that yearly amount projects to about $16,640 over two years and about $33,280 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 75% |
| Average federal loan per year | $8,320 |
| Undergraduates with a federal loan | 121 |
| Total federal loans (one year) | $1,006,767 |
The middle borrower at Bel-Rea Intitute owes $11,666 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,666 |
| Students who completed (graduates) | $20,372 |
| Students who withdrew | $6,449 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Bel-Rea Intitute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $6,384 |
| 75th percentile | $28,363 |
| 90th percentile (highest-debt students) | $34,080 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Bel-Rea Intitute.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Bel-Rea Intitute.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 81 | $16,114 |
| Completed (graduates) | 31 | $22,666 |
| Did not complete | 50 | $12,365 |
On a standard 10-year plan, the median completing borrower would pay about $269.52/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. Bel-Rea Intitute.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Bel-Rea Intitute appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.2% |
| Borrowers in the cohort | 372 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $11,903 |
| High income | $12,288 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $14,200 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,168 |
| Independent students | $13,842 |
Federal data publishes the following gap measures for Bel-Rea Intitute.
Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Did You Know?
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.