by our College Data Analytics TeamHere you will find what students actually borrow to attend Healing Arts Center— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Across the full undergraduate body at Healing Arts Center (freshmen included), 55% take out federal student loans, borrowing on average $3,568 in federal loans per year.
At a steady annual pace, that totals around $7,136 across two years and $14,272 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 55% |
| Average federal loan per year | $3,568 |
| Undergraduates with a federal loan | 104 |
| Total federal loans (one year) | $371,046 |
Graduating and withdrawing students at Healing Arts Center carry a median federal debt of $6,333 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,365 |
| Students who withdrew | $3,183 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Healing Arts Center.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,470 |
| 25th percentile | $3,685 |
| 75th percentile | $6,365 |
| 90th percentile (highest-debt students) | $6,365 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Healing Arts Center.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Healing Arts Center.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 28 | $9,396 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Healing Arts Center.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Healing Arts Center follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.2% |
| Borrowers in the cohort | 56 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $6,333 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,333 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,690 |
| Independent students | $6,365 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Healing Arts Center.
Subsidized vs. 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
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.