by our College Data Analytics TeamHere you will find what students actually borrow to attend Jna Institute of Culinary Arts: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
For incoming students at Jna Institute of Culinary Arts, 100% of new students use loans toward freshman-year expenses, borrowing on average $4,909 per student, private and federal loans combined.
The average federal loan is $4,909, equal to roughly 89.3% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Jna Institute of Culinary Arts, freshmen included, 100% borrow through federal student loan programs, at an average of $5,624 annually. This is 14.6% above the freshman federal average of $4,909.
At a steady annual pace, that totals around $11,248 in two years and roughly $22,496 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 100% |
| Average federal loan per year | $5,624 |
| Undergraduates with a federal loan | 31 |
| Total federal loans (one year) | $174,342 |
Graduating and withdrawing students at Jna Institute of Culinary Arts carry a median federal debt of $8,208 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,208 |
| Students who completed (graduates) | $8,209 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for Jna Institute of Culinary Arts.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $4,750 |
| 75th percentile | $8,889 |
These figures turn the debt totals into a monthly repayment picture for Jna Institute of Culinary Arts.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Jna Institute of Culinary Arts appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.4% |
| Borrowers in the cohort | 48 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The Difference Between 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
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.