by our College Data Analytics TeamHere you will find what students actually borrow to attend Dayton School of Medical Massage: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Dayton School of Medical Massage, 88% of incoming undergraduates borrow in year one, with a typical loan of $6,248 per borrower, covering both private and federal loans.
The average federal loan is $6,248. This is at or above the $5,500 first-year federal borrowing cap that applies to 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.
Looking at all undergraduates at Dayton School of Medical Massage, freshmen included, 93% finance part of their studies with federal loans, averaging $7,879 each per year. That amounts to 26.1% larger than the $6,248 borrowed by freshmen.
Borrowing at that rate every year works out to about $15,758 in two years and roughly $31,516 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 93% |
| Average federal loan per year | $7,879 |
| Undergraduates with a federal loan | 394 |
| Total federal loans (one year) | $3,104,244 |
The median student at Dayton School of Medical Massage borrows $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $13,432 |
| Students who withdrew | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Dayton School of Medical Massage.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,840 |
| 25th percentile | $5,498 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Dayton School of Medical Massage.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Dayton School of Medical Massage.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 88 | $6,674 |
| Completed (graduates) | 50 | $7,767 |
| Did not complete | 38 | $3,672 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $92.36/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. Dayton School of Medical Massage.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Dayton School of Medical Massage is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.1% |
| Borrowers in the cohort | 462 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,695 |
| Middle income | $11,042 |
| High income | $7,791 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,791 |
| Independent students | $10,876 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Dayton School of Medical Massage.
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.
Important to Remember
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.