by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Galen Health Institutes-Wichita, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Galen Health Institutes-Wichita, 82% of incoming undergraduates borrow in year one, averaging $8,858 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $8,858. This meets or exceeds the $5,500 cap on first-year federal borrowing for 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.
Counting every undergraduate at Galen Health Institutes-Wichita, 88% finance part of their studies with federal loans, borrowing on average $9,180 each per year. It comes to 3.6% more than the $8,858 freshmen take on.
Borrowing at that rate every year works out to about $18,360 in two years and roughly $36,720 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 88% |
| Average federal loan per year | $9,180 |
| Undergraduates with a federal loan | 85 |
| Total federal loans (one year) | $780,269 |
Graduating and withdrawing students at Galen Health Institutes-Wichita carry a median federal debt of $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 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Galen Health Institutes-Wichita.
| 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-Wichita.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Galen Health Institutes-Wichita.
| 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.
Federal data lets us separate Stafford borrowers from the rest at Galen Health Institutes-Wichita.
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 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Galen Health Institutes-Wichita.
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-Wichita appears below.
| 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.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
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 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Galen Health Institutes-Wichita.
The Difference Between Subsidized and 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
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.