by our College Data Analytics TeamThis page focuses on the debt students take on to attend Healthcare Training Institute: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Healthcare Training Institute, 100% of freshmen borrow to help pay for their first year, for an average of $4,946 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $4,946, equal to roughly 89.9% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at Healthcare Training Institute (freshmen included), 90% rely on federal student loans toward their education, at an average of $7,910 in federal loans per year. That amounts to 59.9% more than the $4,946 borrowed by freshmen.
Borrowing at that rate every year works out to about $15,820 in two years and roughly $31,640 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 90% |
| Average federal loan per year | $7,910 |
| Undergraduates with a federal loan | 150 |
| Total federal loans (one year) | $1,186,525 |
Graduating and withdrawing students at Healthcare Training Institute carry a median federal debt of $19,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $19,000 |
| Students who completed (graduates) | $20,000 |
| Students who withdrew | $4,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Healthcare Training Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Healthcare Training Institute.
Subsidized vs. 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
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.