by our College Data Analytics TeamHere you will find what students actually borrow to attend Galen Health Institutes-Dallas— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
At Galen Health Institutes-Dallas specifically, 82% of new students use loans toward freshman-year expenses, averaging $7,973 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $6,900. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Galen Health Institutes-Dallas, 82% take out federal student loans, averaging $9,632 each per year. This is 39.6% larger than the $6,900 typical freshmen borrow.
Repeating that yearly amount projects to about $19,264 across two years and $38,528 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 82% |
| Average federal loan per year | $9,632 |
| Undergraduates with a federal loan | 452 |
| Total federal loans (one year) | $4,353,604 |
The middle borrower at Galen Health Institutes-Dallas owes $16,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,500 |
| Students who completed (graduates) | $24,166 |
| Students who withdrew | $9,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Galen Health Institutes-Dallas.
| 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-Dallas.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Galen Health Institutes-Dallas.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1210 | $10,814 |
| Completed (graduates) | 690 | $11,219 |
| Did not complete | 520 | $10,444 |
On a standard 10-year plan, the median completing borrower would pay about $133.41/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Galen Health Institutes-Dallas.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1197 | — |
| No Stafford loan | 13 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1127 | $10,969 |
| No Stafford loan this year | 83 | $9,600 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Galen Health Institutes-Dallas.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Galen Health Institutes-Dallas follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.6% |
| Borrowers in the cohort | 1677 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| 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 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,786 |
| Independent students | $18,832 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Galen Health Institutes-Dallas.
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.
Did You Know?
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.