by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Galen Health Institutes-Salt Lake City— 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.
Looking at the entering class at Galen Health Institutes-Salt Lake City, 71% of new students use loans toward freshman-year expenses, averaging $7,201 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $7,201. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Galen Health Institutes-Salt Lake City, 89% finance part of their studies with federal loans, with a mean of $6,846 annually. It comes to 4.9% less than the $7,201 freshmen take on.
Repeating that yearly amount projects to about $13,692 over two years and about $27,384 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 89% |
| Average federal loan per year | $6,846 |
| Undergraduates with a federal loan | 56 |
| Total federal loans (one year) | $383,397 |
The median student at Galen Health Institutes-Salt Lake City 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 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Galen Health Institutes-Salt Lake City.
| 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 spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Galen Health Institutes-Salt Lake City.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Galen Health Institutes-Salt Lake City.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1210 | $10,814 |
| Completed (graduates) | 690 | $11,219 |
| Did not complete | 520 | $10,444 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $133.41/mo.
Federal data lets us separate Stafford borrowers from the rest at Galen Health Institutes-Salt Lake City.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1197 | — |
| No Stafford loan | 13 | — |
Current-Year Stafford Borrowers
| 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-Salt Lake City.
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-Salt Lake City appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.6% |
| Borrowers in the cohort | 1677 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| 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 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,786 |
| Independent students | $18,832 |
Federal data publishes the following gap measures for Galen Health Institutes-Salt Lake City.
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.
Worth Knowing
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.