by our College Data Analytics TeamThis page focuses on the debt students take on to attend Hoss Lee Academy, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Hoss Lee Academy, 31% of first-year students take on loan debt, averaging $6,238 each, across private and federal loan sources.
The typical federal loan comes to $6,238. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at Hoss Lee Academy, 28% rely on federal student loans toward their education, for a typical $4,812 in federal loans per year. This works out to 22.9% lower than the freshman federal average of $6,238.
Borrowing at that rate every year works out to about $9,624 in two years and roughly $19,248 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 28% |
| Average federal loan per year | $4,812 |
| Undergraduates with a federal loan | 59 |
| Total federal loans (one year) | $283,895 |
The middle borrower at Hoss Lee Academy owes $6,333 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Hoss Lee Academy.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 20 | $7,350 |
These figures turn the debt totals into a monthly repayment picture for Hoss Lee Academy.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
| Middle income | $6,333 |
| High income | $6,333 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,333 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,333 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Hoss Lee Academy.
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.
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.