by our College Data Analytics TeamHere you will find what students actually borrow to attend Genesis Career College-Lebanon: 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 Genesis Career College-Lebanon, 85% of incoming undergraduates borrow in year one, at roughly $5,821 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $5,811. 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 Genesis Career College-Lebanon, freshmen included, 83% finance part of their studies with federal loans, averaging $5,653 annually. It comes to 2.7% under the $5,811 freshmen take on.
At a steady annual pace, that totals around $11,306 over two years and about $22,612 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 83% |
| Average federal loan per year | $5,653 |
| Undergraduates with a federal loan | 133 |
| Total federal loans (one year) | $751,837 |
The middle borrower at Genesis Career College-Lebanon owes $8,857 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,857 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $3,966 |
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 Genesis Career College-Lebanon.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,166 |
| 25th percentile | $4,750 |
| 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-Lebanon.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Genesis Career College-Lebanon.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 21 | $4,030 |
These figures turn the debt totals into a monthly repayment picture for Genesis Career College-Lebanon.
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 Genesis Career College-Lebanon is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.4% |
| Borrowers in the cohort | 285 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $8,925 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Genesis Career College-Lebanon.
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.
Important to Remember
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.