by our College Data Analytics TeamThis page focuses on the debt students take on to attend International Academy, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At International Academy specifically, 73% of incoming students take out a loan to help cover first-year costs, with a typical loan of $5,187 per borrower, covering both private and federal loans.
The typical federal loan comes to $5,187, amounting to 94.3% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at International Academy, freshmen included, 61% rely on federal student loans toward their education, for a typical $5,078 each per year. This works out to 2.1% lower than the freshman federal average of $5,187.
At a steady annual pace, that totals around $10,156 over two years and about $20,312 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 61% |
| Average federal loan per year | $5,078 |
| Undergraduates with a federal loan | 180 |
| Total federal loans (one year) | $914,092 |
The middle borrower at International Academy owes $7,917 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,917 |
| Students who completed (graduates) | $7,917 |
| Students who withdrew | $6,333 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at International Academy.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $4,750 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $13,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at International Academy.
Repayment burden translates the debt figures into what a borrower actually pays each month. International Academy.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for International Academy follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 19.5% |
| Borrowers in the cohort | 215 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,917 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,917 |
| Continuing-generation students | $6,333 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,917 |
| Independent students | $7,917 |
Federal data publishes the following gap measures for International Academy.
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.
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.