by our College Data Analytics TeamThis page focuses on the debt students take on to attend Center for Massage, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Center for Massage, 41% of first-year students take on loan debt, for an average of $6,101 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $6,101. This meets or exceeds the $5,500 cap on first-year federal borrowing 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.
Across the full undergraduate body at Center for Massage (freshmen included), 41% use federal student loans to help pay for their education, for a typical $5,998 a year. This works out to 1.7% lower than the $6,101 freshmen take on.
Borrowing at that rate every year works out to about $11,996 across two years and $23,992 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 41% |
| Average federal loan per year | $5,998 |
| Undergraduates with a federal loan | 43 |
| Total federal loans (one year) | $257,896 |
Graduating and withdrawing students at Center for Massage carry a median federal debt of $6,333 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,333 |
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Center for Massage.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $3,666 |
| 75th percentile | $6,333 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Center for Massage.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Center for Massage follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.0% |
| Borrowers in the cohort | 48 |
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.
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,333 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Center for Massage.
Subsidized vs. Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Did You Know?
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.