by our College Data Analytics TeamHere you will find what students actually borrow to attend Mandl School-The College of Allied Health, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Mandl School, 89% of incoming undergraduates borrow in year one, borrowing on average $4,489 per borrower, covering both private and federal loans.
The average federal loan is $4,489, amounting to 81.6% of the typical first-year dependent student borrowing cap of $5,500. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at Mandl School (freshmen included), 94% take out federal student loans, averaging $7,774 per year. It comes to 73.2% above the freshman federal average of $4,489.
Borrowing at that rate every year works out to about $15,548 over two years and about $31,096 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 94% |
| Average federal loan per year | $7,774 |
| Undergraduates with a federal loan | 438 |
| Total federal loans (one year) | $3,404,915 |
The median student at Mandl School borrows $12,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $20,000 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Mandl School.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,975 |
| 25th percentile | $5,800 |
| 75th percentile | $17,888 |
| 90th percentile (highest-debt students) | $22,560 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Mandl School.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Mandl School.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 103 | $8,450 |
| Completed (graduates) | 50 | $11,954 |
| Did not complete | 53 | $7,050 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $142.15/mo.
These figures turn the debt totals into a monthly repayment picture for Mandl School.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Mandl School appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.5% |
| Borrowers in the cohort | 493 |
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 | $12,544 |
| Middle income | $12,000 |
| High income | $8,250 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $14,292 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,500 |
| Independent students | $14,125 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Mandl School.
The Difference Between Subsidized and 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?
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.