by our College Data Analytics TeamHere you will find what students actually borrow to attend Health and Style Institute, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at Health and Style Institute, 42% of freshmen borrow to help pay for their first year, at roughly $7,296 per student, private and federal loans combined.
The average federal loan is $7,296. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
For undergraduates overall at Health and Style Institute, 26% rely on federal student loans toward their education, borrowing on average $7,651 each per year. This works out to 4.9% more than the freshman federal average of $7,296.
Repeating that yearly amount projects to about $15,302 in two years and roughly $30,604 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 26% |
| Average federal loan per year | $7,651 |
| Undergraduates with a federal loan | 356 |
| Total federal loans (one year) | $2,723,801 |
Graduating and withdrawing students at Health and Style Institute carry a median federal debt of $5,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $8,444 |
| Students who withdrew | $4,750 |
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 Health and Style Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,350 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $13,833 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Health and Style Institute.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Health and Style Institute.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 186 | $7,638 |
| Completed (graduates) | 87 | $8,329 |
| Did not complete | 99 | $6,585 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $99.04/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Health and Style Institute.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 159 | $7,856 |
| No Stafford loan this year | 27 | $5,511 |
These figures turn the debt totals into a monthly repayment picture for Health and Style Institute.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Health and Style Institute is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 31.3% |
| Borrowers in the cohort | 28 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $5,500 |
| Middle income | $5,500 |
| High income | $5,666 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,669 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,333 |
Federal data publishes the following gap measures for Health and Style Institute.
The Difference Between Subsidized and 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
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.