by our College Data Analytics TeamThis page focuses on the debt students take on to attend Healing Mountain Massage School— 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.
Looking at the entering class at Healing Mtn. School, 94% of new students use loans toward freshman-year expenses, at roughly $7,439 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $7,439. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at Healing Mtn. School, 69% borrow through federal student loan programs, at an average of $7,888 each per year. This is 6.0% larger than the $7,439 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $15,776 over two years and about $31,552 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 69% |
| Average federal loan per year | $7,888 |
| Undergraduates with a federal loan | 136 |
| Total federal loans (one year) | $1,072,774 |
The median student at Healing Mtn. School borrows $8,139 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,139 |
| Students who completed (graduates) | $8,217 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Healing Mtn. School.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
How wide this percentile range is tells you how much borrowing varies across students at Healing Mtn. School.
The indicators below describe what the typical debt costs to pay back at Healing Mtn. School.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Healing Mtn. School is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.2% |
| Borrowers in the cohort | 48 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $8,139 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,139 |
| Continuing-generation students | $9,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Healing Mtn. School.
Subsidized vs. 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.
Did You Know?
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.