by our College Data Analytics TeamHere you will find what students actually borrow to attend Healthcare Training Institute: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
At Healthcare Training Institute specifically, 100% of freshmen borrow to help pay for their first year, at roughly $7,500 per borrower, covering both private and federal loans.
The typical federal loan comes to $7,500. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Healthcare Training Institute, 37% use federal student loans to help pay for their education, with a mean of $11,675 in federal loans per year. This works out to 55.7% larger than the freshman federal average of $7,500.
Repeating that yearly amount projects to about $23,350 in two years and roughly $46,700 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 37% |
| Average federal loan per year | $11,675 |
| Undergraduates with a federal loan | 56 |
| Total federal loans (one year) | $653,800 |
The median student at Healthcare Training Institute borrows $7,245 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,245 |
| Students who completed (graduates) | $8,717 |
| Students who withdrew | $5,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Healthcare Training Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,977 |
| 25th percentile | $4,750 |
| 75th percentile | $8,623 |
| 90th percentile (highest-debt students) | $12,250 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Healthcare Training Institute.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Healthcare Training Institute.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 31 | $4,111 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Healthcare Training Institute.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Healthcare Training Institute is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.7% |
| Borrowers in the cohort | 114 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,869 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,457 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Healthcare Training Institute.
Subsidized and 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.
Important to Remember
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.