by our College Data Analytics TeamThis page focuses on the debt students take on to attend Institute of Health Sciences, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at Institute of Health Sciences, 70% of first-year students take on loan debt, for an average of $7,321 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $7,321. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Institute of Health Sciences, freshmen included, 50% borrow through federal student loan programs, borrowing on average $5,690 annually. This is 22.3% below the $7,321 borrowed by freshmen.
Repeating that yearly amount projects to about $11,380 in two years and roughly $22,760 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 50% |
| Average federal loan per year | $5,690 |
| Undergraduates with a federal loan | 88 |
| Total federal loans (one year) | $500,732 |
The middle borrower at Institute of Health Sciences owes $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $5,700 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Institute of Health Sciences.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $11,429 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Institute of Health Sciences.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Institute of Health Sciences.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 19 | $10,000 |
The indicators below describe what the typical debt costs to pay back at Institute of Health Sciences.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $9,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,800 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Institute of Health Sciences.
Subsidized vs. Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Did You Know?
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.