by our College Data Analytics TeamHere you will find what students actually borrow to attend Bryan College of Health Sciences, 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 Bryan College of Health Sciences, 67% of freshmen borrow to help pay for their first year, for an average of $14,115 each, across private and federal loan sources.
The typical federal loan comes to $9,773. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at Bryan College of Health Sciences, 73% use federal student loans to help pay for their education, for a typical $9,287 each per year. That amounts to 5.0% under the $9,773 typical freshmen borrow.
At a steady annual pace, that totals around $18,574 in two years and roughly $37,148 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 | 73% |
| Average federal loan per year | $9,287 |
| Undergraduates with a federal loan | 388 |
| Total federal loans (one year) | $3,603,464 |
The median student at Bryan College of Health Sciences borrows $22,250 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $22,250 |
| Students who completed (graduates) | $24,985 |
| Students who withdrew | $7,250 |
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 Bryan College of Health Sciences.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $12,000 |
| 75th percentile | $30,985 |
| 90th percentile (highest-debt students) | $36,750 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Bryan College of Health Sciences.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Bryan College of Health Sciences.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 116 | $19,138 |
| Completed (graduates) | 71 | $29,929 |
| Did not complete | 45 | $12,500 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $355.89/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Bryan College of Health Sciences.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 89 | $22,096 |
| No Stafford loan this year | 27 | $10,794 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Bryan College of Health Sciences.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Bryan College of Health Sciences is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.9% |
| Borrowers in the cohort | 102 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $24,209 |
| Middle income | $19,979 |
| High income | $22,474 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $22,549 |
| Continuing-generation students | $20,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $22,250 |
| Independent students | $24,604 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Bryan College of Health Sciences.
Subsidized vs. 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.
Important to Remember
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.