by our College Data Analytics TeamHere you will find what students actually borrow to attend Galen Health Institutes-Austin Campus— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At Galen Health Institutes-Austin Campus specifically, 91% of new students use loans toward freshman-year expenses, with a typical loan of $8,969 each — a figure that counts both private and federal student loans.
Federal loans alone average $7,051. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Galen Health Institutes-Austin Campus, 81% use federal student loans to help pay for their education, for a typical $9,204 a year. It comes to 30.5% greater than the first-year federal average of $7,051.
Repeating that yearly amount projects to about $18,408 over two years and about $36,816 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 81% |
| Average federal loan per year | $9,204 |
| Undergraduates with a federal loan | 747 |
| Total federal loans (one year) | $6,875,554 |
The middle borrower at Galen Health Institutes-Austin Campus owes $16,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,500 |
| Students who completed (graduates) | $24,166 |
| Students who withdrew | $9,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Galen Health Institutes-Austin Campus.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $6,334 |
| 75th percentile | $24,166 |
| 90th percentile (highest-debt students) | $33,943 |
How wide this percentile range is tells you how much borrowing varies across students at Galen Health Institutes-Austin Campus.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Galen Health Institutes-Austin Campus.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1210 | $10,814 |
| Completed (graduates) | 690 | $11,219 |
| Did not complete | 520 | $10,444 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $133.41/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Galen Health Institutes-Austin Campus.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1197 | — |
| No Stafford loan | 13 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1127 | $10,969 |
| No Stafford loan this year | 83 | $9,600 |
These figures turn the debt totals into a monthly repayment picture for Galen Health Institutes-Austin Campus.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Galen Health Institutes-Austin Campus is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.6% |
| Borrowers in the cohort | 1677 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $16,190 |
| Middle income | $17,444 |
| High income | $16,166 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,500 |
| Continuing-generation students | $16,834 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,786 |
| Independent students | $18,832 |
Federal data publishes the following gap measures for Galen Health Institutes-Austin Campus.
Subsidized vs. 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.