by our College Data Analytics TeamHere you will find what students actually borrow to attend Genesis Career College-Cookeville— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At Genesis Career College-Cookeville, 80% of new students use loans toward freshman-year expenses, for an average of $5,856 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $5,813. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. 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 Genesis Career College-Cookeville, freshmen included, 80% borrow through federal student loan programs, for a typical $5,796 in federal loans per year. That is 0.3% smaller than the $5,813 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $11,592 over two years and about $23,184 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 80% |
| Average federal loan per year | $5,796 |
| Undergraduates with a federal loan | 437 |
| Total federal loans (one year) | $2,533,053 |
Graduating and withdrawing students at Genesis Career College-Cookeville carry a median federal debt of $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $6,343 |
| Students who withdrew | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Genesis Career College-Cookeville.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,528 |
| 25th percentile | $4,749 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Genesis Career College-Cookeville.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Genesis Career College-Cookeville.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 38 | $6,825 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Genesis Career College-Cookeville.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Genesis Career College-Cookeville is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.6% |
| Borrowers in the cohort | 220 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $5,500 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $6,307 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,400 |
| Independent students | $6,333 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Genesis Career College-Cookeville.
Subsidized vs. Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
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.