by our College Data Analytics TeamHere you will find what students actually borrow to attend National Holistic 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.
For incoming students at National Holistic Institute, 82% of new students use loans toward freshman-year expenses, averaging $8,736 per student, private and federal loans combined.
On the federal side, the average loan is $8,652. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at National Holistic Institute, 75% finance part of their studies with federal loans, for a typical $9,518 in federal loans per year. That amounts to 10.0% greater than the $8,652 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $19,036 over two years and about $38,072 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 75% |
| Average federal loan per year | $9,518 |
| Undergraduates with a federal loan | 1,543 |
| Total federal loans (one year) | $14,686,558 |
The middle borrower at National Holistic Institute owes $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for National Holistic Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $14,009 |
How wide this percentile range is tells you how much borrowing varies across students at National Holistic Institute.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at National Holistic Institute.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 146 | $9,367 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at National Holistic Institute.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 128 | — |
| No Stafford loan this year | 18 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. National Holistic Institute.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for National Holistic Institute is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.9% |
| Borrowers in the cohort | 528 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $8,750 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at National Holistic Institute.
The Difference Between 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.
Worth Knowing
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.