by our College Data Analytics TeamThis page focuses on the debt students take on to attend Louisiana Culinary Institute: 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 Louisiana Culinary Institute, 81% of first-year students take on loan debt, with a typical loan of $2,897 each — a figure that counts both private and federal student loans.
The average federally funded loan is $2,897, or about 52.7% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Louisiana Culinary Institute, 69% rely on federal student loans toward their education, with a mean of $3,484 in federal loans per year. This works out to 20.3% more than the freshman federal average of $2,897.
At a steady annual pace, that totals around $6,968 in two years and roughly $13,936 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 | 69% |
| Average federal loan per year | $3,484 |
| Undergraduates with a federal loan | 62 |
| Total federal loans (one year) | $215,989 |
The median student at Louisiana Culinary Institute borrows $15,250 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,250 |
| Students who completed (graduates) | $16,200 |
| Students who withdrew | $11,370 |
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 Louisiana Culinary Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $8,150 |
| 75th percentile | $20,000 |
| 90th percentile (highest-debt students) | $20,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Louisiana Culinary 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 Louisiana Culinary Institute.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 35 | $16,200 |
These figures turn the debt totals into a monthly repayment picture for Louisiana Culinary Institute.
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 Louisiana Culinary Institute follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.1% |
| Borrowers in the cohort | 48 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $20,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,000 |
| Continuing-generation students | $12,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $20,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Louisiana Culinary 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.
Worth Knowing
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.