by our College Data Analytics TeamHere you will find what students actually borrow to attend Galen Health Institutes-Sarasota: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Galen Health Institutes-Sarasota, 92% of first-year students take on loan debt, at roughly $10,807 per student, private and federal loans combined.
Federal loans alone average $10,275. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Galen Health Institutes-Sarasota, freshmen included, 84% borrow through federal student loan programs, for a typical $9,264 a year. That amounts to 9.8% lower than the first-year federal average of $10,275.
Borrowing at that rate every year works out to about $18,528 in two years and roughly $37,056 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 84% |
| Average federal loan per year | $9,264 |
| Undergraduates with a federal loan | 338 |
| Total federal loans (one year) | $3,131,156 |
Graduating and withdrawing students at Galen Health Institutes-Sarasota carry a median federal debt of $16,500 in federal student loans.
| 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-Sarasota.
| 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-Sarasota.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Galen Health Institutes-Sarasota.
| 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.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Galen Health Institutes-Sarasota.
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 |
These figures turn the debt totals into a monthly repayment picture for Galen Health Institutes-Sarasota.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Galen Health Institutes-Sarasota 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.
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 | $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 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Galen Health Institutes-Sarasota.
The Difference Between 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
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.