by our College Data Analytics TeamHere you will find what students actually borrow to attend Institute of Culinary Education— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Looking at the entering class at Institute of Culinary Education - Los Angeles, 76% of incoming undergraduates borrow in year one, for an average of $9,665 per student, private and federal loans combined.
The typical federal loan comes to $7,343. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at Institute of Culinary Education - Los Angeles, 45% use federal student loans to help pay for their education, borrowing on average $4,935 per year. This works out to 32.8% less than the $7,343 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $9,870 by year two and around $19,740 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 45% |
| Average federal loan per year | $4,935 |
| Undergraduates with a federal loan | 353 |
| Total federal loans (one year) | $1,742,116 |
The median student at Institute of Culinary Education - Los Angeles borrows $3,972 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,972 |
| Students who completed (graduates) | $6,439 |
| Students who withdrew | $3,431 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Institute of Culinary Education - Los Angeles.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,728 |
| 25th percentile | $3,972 |
| 75th percentile | $6,861 |
| 90th percentile (highest-debt students) | $6,861 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Institute of Culinary Education - Los Angeles.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Institute of Culinary Education - Los Angeles.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 235 | $31,945 |
| Completed (graduates) | 173 | $32,547 |
| Did not complete | 62 | $25,946 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $387.02/mo.
Federal data lets us separate Stafford borrowers from the rest at Institute of Culinary Education - Los Angeles.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 205 | $31,305 |
| No Stafford loan | 30 | $32,806 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 199 | $31,305 |
| No Stafford loan this year | 36 | $32,806 |
The indicators below describe what the typical debt costs to pay back at Institute of Culinary Education - Los Angeles.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Institute of Culinary Education - Los Angeles follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.8% |
| Borrowers in the cohort | 154 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $6,439 |
| Middle income | $3,972 |
| High income | $3,924 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $4,426 |
| Continuing-generation students | $3,972 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,915 |
| Independent students | $6,671 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Institute of Culinary Education - Los Angeles.
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.
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.