by our College Data Analytics TeamThis page focuses on the debt students take on to attend Galen Health Institutes-Las Vegas, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Galen Health Institutes-Las Vegas specifically, 83% of freshmen borrow to help pay for their first year, averaging $3,295 each, across private and federal loan sources.
The average federally funded loan is $3,115, which is 56.6% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at Galen Health Institutes-Las Vegas, 81% borrow through federal student loan programs, with a mean of $3,086 each per year. That is 0.9% lower than the $3,115 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $6,172 over two years and about $12,344 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 81% |
| Average federal loan per year | $3,086 |
| Undergraduates with a federal loan | 58 |
| Total federal loans (one year) | $178,962 |
The median student at Galen Health Institutes-Las Vegas borrows $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.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Galen Health Institutes-Las Vegas.
| 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 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Galen Health Institutes-Las Vegas.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Galen Health Institutes-Las Vegas.
| 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-Las Vegas.
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 |
The indicators below describe what the typical debt costs to pay back at Galen Health Institutes-Las Vegas.
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 Galen Health Institutes-Las Vegas appears 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.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $16,190 |
| Middle income | $17,444 |
| High income | $16,166 |
By First-Generation Status
| 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 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Galen Health Institutes-Las Vegas.
Subsidized and 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.
Worth Knowing
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.