by our College Data Analytics TeamBelow is federal data on the loans students use to pay for National University of Health Sciences— 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.
Counting every undergraduate at National College of Chiropractic, 74% use federal student loans to help pay for their education, with a mean of $9,758 a year.
Borrowing at that rate every year works out to about $19,516 in two years and roughly $39,032 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 | 74% |
| Average federal loan per year | $9,758 |
| Undergraduates with a federal loan | 20 |
| Total federal loans (one year) | $195,154 |
The median student at National College of Chiropractic borrows $12,289 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,289 |
| Students who completed (graduates) | $12,500 |
| Students who withdrew | $8,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at National College of Chiropractic.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,943 |
| 25th percentile | $6,007 |
| 75th percentile | $15,591 |
| 90th percentile (highest-debt students) | $25,000 |
How wide this percentile range is tells you how much borrowing varies across students at National College of Chiropractic.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for National College of Chiropractic.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 73 | $21,500 |
These figures turn the debt totals into a monthly repayment picture for National College of Chiropractic.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for National College of Chiropractic follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.7% |
| Borrowers in the cohort | 217 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $12,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,500 |
| Continuing-generation students | $8,628 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at National College of Chiropractic.
Subsidized vs. 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
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.