by our College Data Analytics TeamHere you will find what students actually borrow to attend National Personal Training Institute: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at National Personal Training Institute, 100% of incoming undergraduates borrow in year one, for an average of $4,325 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $4,325, equal to roughly 78.6% of the $5,500 cap on first-year federal borrowing for the typical dependent student. 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 National Personal Training Institute (freshmen included), 49% use federal student loans to help pay for their education, for a typical $5,064 annually. It comes to 17.1% higher than the freshman federal average of $4,325.
Carrying that yearly figure forward comes to roughly $10,128 over two years and about $20,256 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 49% |
| Average federal loan per year | $5,064 |
| Undergraduates with a federal loan | 42 |
| Total federal loans (one year) | $212,692 |
The middle borrower at National Personal Training Institute owes $6,333 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,333 |
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for National Personal Training Institute.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at National Personal Training Institute.
Repayment burden translates the debt figures into what a borrower actually pays each month. National Personal Training Institute.
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 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,666 |
| Independent students | $6,333 |
Federal data publishes the following gap measures for National Personal Training Institute.
Subsidized vs. 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.