by our College Data Analytics TeamThis page focuses on the debt students take on to attend National Personal Training Institute - Tampa, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At National Personal Training Institute - Tampa, 100% of incoming undergraduates borrow in year one, averaging $5,613 each, across private and federal loan sources.
The average federal loan is $5,613. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at National Personal Training Institute - Tampa, 61% borrow through federal student loan programs, for a typical $4,863 a year. That amounts to 13.4% lower than the freshman federal average of $5,613.
At a steady annual pace, that totals around $9,726 over two years and about $19,452 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 61% |
| Average federal loan per year | $4,863 |
| Undergraduates with a federal loan | 22 |
| Total federal loans (one year) | $106,986 |
Graduating and withdrawing students at National Personal Training Institute - Tampa carry a median federal debt of $6,333 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,333 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at National Personal Training Institute - Tampa.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,054 |
| 25th percentile | $3,666 |
| 75th percentile | $6,333 |
| 90th percentile (highest-debt students) | $6,333 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at National Personal Training Institute - Tampa.
Repayment burden translates the debt figures into what a borrower actually pays each month. National Personal Training Institute - Tampa.
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 | $6,333 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,333 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,666 |
| Independent students | $6,333 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at National Personal Training Institute - Tampa.
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.