by our College Data Analytics TeamBelow is federal data on the loans students use to pay for California Healing Arts 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 CALIFORNIA HEALING ARTS COLLEGE, 89% of new students use loans toward freshman-year expenses, averaging $8,017 each, across private and federal loan sources.
Federal loans alone average $8,017. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Across the full undergraduate body at CALIFORNIA HEALING ARTS COLLEGE (freshmen included), 87% rely on federal student loans toward their education, averaging $8,003 each per year. That is 0.2% less than the first-year federal average of $8,017.
Repeating that yearly amount projects to about $16,006 in two years and roughly $32,012 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 87% |
| Average federal loan per year | $8,003 |
| Undergraduates with a federal loan | 395 |
| Total federal loans (one year) | $3,161,370 |
The middle borrower at CALIFORNIA HEALING ARTS COLLEGE owes $9,476 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,476 |
| Students who completed (graduates) | $9,476 |
| Students who withdrew | $4,739 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at CALIFORNIA HEALING ARTS COLLEGE.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $9,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $18,654 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at CALIFORNIA HEALING ARTS COLLEGE.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for CALIFORNIA HEALING ARTS COLLEGE.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 21 | $5,770 |
The indicators below describe what the typical debt costs to pay back at CALIFORNIA HEALING ARTS COLLEGE.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for CALIFORNIA HEALING ARTS COLLEGE appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.0% |
| Borrowers in the cohort | 125 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,476 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,486 |
| Independent students | $9,476 |
Federal data publishes the following gap measures for CALIFORNIA HEALING ARTS COLLEGE.
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.
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.