by our College Data Analytics TeamThis page focuses on the debt students take on to attend Estelle Medical Academy— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Among first-year students at Estelle Medical Academy, 36% of incoming undergraduates borrow in year one, for an average of $5,013 per student, private and federal loans combined.
Federal loans alone average $5,013, amounting to 91.1% of the typical first-year dependent student borrowing cap of $5,500. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Estelle Medical Academy, 32% borrow through federal student loan programs, with a mean of $5,013 annually.
Carrying that yearly figure forward comes to roughly $10,026 after two years and $20,052 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 | 32% |
| Average federal loan per year | $5,013 |
| Undergraduates with a federal loan | 21 |
| Total federal loans (one year) | $105,264 |
The middle borrower at Estelle Medical Academy owes $5,657 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,657 |
| Students who completed (graduates) | $5,657 |
| Students who withdrew | $3,728 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Estelle Medical Academy.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,728 |
| 25th percentile | $4,787 |
| 75th percentile | $5,759 |
| 90th percentile (highest-debt students) | $6,439 |
How wide this percentile range is tells you how much borrowing varies across students at Estelle Medical Academy.
The indicators below describe what the typical debt costs to pay back at Estelle Medical Academy.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Estelle Medical Academy appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.1% |
| Borrowers in the cohort | 126 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $5,272 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,657 |
| Continuing-generation students | $5,473 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,728 |
| Independent students | $5,657 |
Federal data publishes the following gap measures for Estelle Medical Academy.
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?
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.