by our College Data Analytics TeamThis page focuses on the debt students take on to attend HCI College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at HCI College, 77% of new students use loans toward freshman-year expenses, borrowing on average $4,211 each, across private and federal loan sources.
Federal loans alone average $4,211, which is 76.6% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at HCI College, 30% use federal student loans to help pay for their education, for a typical $4,945 in federal loans per year. That amounts to 17.4% above the $4,211 borrowed by freshmen.
Borrowing at that rate every year works out to about $9,890 in two years and roughly $19,780 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 | 30% |
| Average federal loan per year | $4,945 |
| Undergraduates with a federal loan | 229 |
| Total federal loans (one year) | $1,132,436 |
Graduating and withdrawing students at HCI College carry a median federal debt of $18,312 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $18,312 |
| Students who completed (graduates) | $24,149 |
| Students who withdrew | $10,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at HCI College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 67 | $9,158 |
| Completed (graduates) | 23 | $10,000 |
| Did not complete | 44 | $7,951 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $118.91/mo.
These figures turn the debt totals into a monthly repayment picture for HCI College.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $18,313 |
| Middle income | $18,312 |
| High income | $18,311 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $18,415 |
| Continuing-generation students | $16,816 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,578 |
| Independent students | $19,103 |
Federal data publishes the following gap measures for HCI College.
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.
Did You Know?
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.