by our College Data Analytics TeamHere you will find what students actually borrow to attend Kansas City Art Institute— 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.
At Kansas City Art Institute specifically, 80% of freshmen borrow to help pay for their first year, at roughly $8,313 each — a figure that counts both private and federal student loans.
The average federal loan is $5,348, representing 97.2% of the $5,500 first-year federal borrowing limit for a 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.
Looking at all undergraduates at Kansas City Art Institute, freshmen included, 70% borrow through federal student loan programs, borrowing on average $6,574 in federal loans per year. It comes to 22.9% greater than the $5,348 typical freshmen borrow.
Borrowing at that rate every year works out to about $13,148 after two years and $26,296 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 70% |
| Average federal loan per year | $6,574 |
| Undergraduates with a federal loan | 548 |
| Total federal loans (one year) | $3,602,470 |
The middle borrower at Kansas City Art Institute owes $21,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $21,500 |
| Students who completed (graduates) | $27,000 |
| Students who withdrew | $5,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Kansas City Art Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,801 |
| 25th percentile | $9,380 |
| 75th percentile | $30,750 |
| 90th percentile (highest-debt students) | $39,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Kansas City Art Institute.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Kansas City Art Institute.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 133 | $23,100 |
| Completed (graduates) | 71 | $33,642 |
| Did not complete | 62 | $19,394 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $400.04/mo.
These figures turn the debt totals into a monthly repayment picture for Kansas City Art Institute.
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 Kansas City Art Institute appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.7% |
| Borrowers in the cohort | 219 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $25,125 |
| Middle income | $19,682 |
| High income | $19,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $21,402 |
| Continuing-generation students | $21,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $21,500 |
| Independent students | $20,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Kansas City Art Institute.
Subsidized and 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.
Important to Remember
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.