by our College Data Analytics TeamThis page focuses on the debt students take on to attend Milan Institute-San Antonio Ingram, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Milan Institute-San Antonio Ingram, 65% of incoming students take out a loan to help cover first-year costs, at roughly $5,346 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $5,346, or about 97.2% 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.
Across the full undergraduate body at Milan Institute-San Antonio Ingram (freshmen included), 68% take out federal student loans, for a typical $5,055 per year. This works out to 5.4% smaller than the $5,346 freshmen take on.
Borrowing the same amount each year would add up to roughly $10,110 in two years and roughly $20,220 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 68% |
| Average federal loan per year | $5,055 |
| Undergraduates with a federal loan | 422 |
| Total federal loans (one year) | $2,133,210 |
The middle borrower at Milan Institute-San Antonio Ingram owes $6,333 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $4,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Milan Institute-San Antonio Ingram.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,109 |
| 25th percentile | $4,750 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $11,253 |
How wide this percentile range is tells you how much borrowing varies across students at Milan Institute-San Antonio Ingram.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Milan Institute-San Antonio Ingram.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 235 | $4,675 |
| Completed (graduates) | 182 | $5,076 |
| Did not complete | 53 | $3,396 |
On a standard 10-year plan, the median completing borrower would pay about $60.36/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Milan Institute-San Antonio Ingram.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 214 | $4,545 |
| No Stafford loan this year | 21 | $7,786 |
These figures turn the debt totals into a monthly repayment picture for Milan Institute-San Antonio Ingram.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Milan Institute-San Antonio Ingram is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 20.2% |
| Borrowers in the cohort | 761 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,333 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,333 |
Federal data publishes the following gap measures for Milan Institute-San Antonio Ingram.
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.