by our College Data Analytics TeamHere you will find what students actually borrow to attend Milan Institute-Palm Desert, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Milan Institute-Palm Desert, 46% of incoming undergraduates borrow in year one, at roughly $4,361 per borrower, covering both private and federal loans.
Federal loans alone average $4,361, equal to roughly 79.3% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at Milan Institute-Palm Desert (freshmen included), 59% borrow through federal student loan programs, at an average of $4,316 a year. This is 1.0% lower than the $4,361 borrowed by freshmen.
Repeating that yearly amount projects to about $8,632 across two years and $17,264 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 | 59% |
| Average federal loan per year | $4,316 |
| Undergraduates with a federal loan | 296 |
| Total federal loans (one year) | $1,277,536 |
The middle borrower at Milan Institute-Palm Desert owes $7,618 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,618 |
| Students who completed (graduates) | $7,702 |
| Students who withdrew | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Milan Institute-Palm Desert.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,729 |
| 25th percentile | $5,346 |
| 75th percentile | $9,436 |
| 90th percentile (highest-debt students) | $9,500 |
How wide this percentile range is tells you how much borrowing varies across students at Milan Institute-Palm Desert.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Milan Institute-Palm Desert.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 36 | $3,879 |
These figures turn the debt totals into a monthly repayment picture for Milan Institute-Palm Desert.
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 Milan Institute-Palm Desert follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.4% |
| Borrowers in the cohort | 845 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,690 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,731 |
Federal data publishes the following gap measures for Milan Institute-Palm Desert.
The Difference Between 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.