by our College Data Analytics TeamThis page focuses on the debt students take on to attend Hands on Therapy: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Looking at the entering class at Hands on Therapy, 80% of new students use loans toward freshman-year expenses, averaging $7,828 per student, private and federal loans combined.
The typical federal loan comes to $7,828. That is at or past the $5,500 federal first-year limit for 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.
Counting every undergraduate at Hands on Therapy, 40% finance part of their studies with federal loans, with a mean of $8,175 each per year. That is 4.4% above the $7,828 typical freshmen borrow.
Borrowing at that rate every year works out to about $16,350 in two years and roughly $32,700 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 40% |
| Average federal loan per year | $8,175 |
| Undergraduates with a federal loan | 33 |
| Total federal loans (one year) | $269,785 |
The middle borrower at Hands on Therapy owes $7,917 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,917 |
| Students who completed (graduates) | $7,917 |
| Students who withdrew | $3,959 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Hands on Therapy.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,917 |
| 25th percentile | $4,584 |
| 75th percentile | $7,917 |
| 90th percentile (highest-debt students) | $7,917 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Hands on Therapy.
Repayment burden translates the debt figures into what a borrower actually pays each month. Hands on Therapy.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Hands on Therapy is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.6% |
| Borrowers in the cohort | 92 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,917 |
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.
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.