by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Focus Personal Training Institute, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at FPTI, 82% of incoming undergraduates borrow in year one, borrowing on average $4,636 each, across private and federal loan sources.
The typical federal loan comes to $4,636, or about 84.3% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at FPTI (freshmen included), 23% finance part of their studies with federal loans, at an average of $4,757 in federal loans per year. That amounts to 2.6% larger than the freshman federal average of $4,636.
Carrying that yearly figure forward comes to roughly $9,514 in two years and roughly $19,028 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 | 23% |
| Average federal loan per year | $4,757 |
| Undergraduates with a federal loan | 32 |
| Total federal loans (one year) | $152,224 |
Graduating and withdrawing students at FPTI carry a median federal debt of $6,333 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for FPTI.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $3,678 |
| 75th percentile | $7,355 |
Repayment burden translates the debt figures into what a borrower actually pays each month. FPTI.
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 | $6,333 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,666 |
| Independent students | $6,333 |
Federal data publishes the following gap measures for FPTI.
The Difference Between Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
Worth Knowing
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.