by our College Data Analytics TeamHere you will find what students actually borrow to attend New York School for Medical and Dental Assistants— 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 New York School for Medical and Dental Assistants, 67% of first-year students take on loan debt, with a typical loan of $4,513 per borrower, covering both private and federal loans.
On the federal side, the average loan is $4,366, amounting to 79.4% of the $5,500 first-year borrowing cap for the typical first-year dependent student. 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 New York School for Medical and Dental Assistants, 67% take out federal student loans, at an average of $4,652 annually. This is 6.6% more than the $4,366 freshmen take on.
Borrowing the same amount each year would add up to roughly $9,304 by year two and around $18,608 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 67% |
| Average federal loan per year | $4,652 |
| Undergraduates with a federal loan | 277 |
| Total federal loans (one year) | $1,288,604 |
Graduating and withdrawing students at New York School for Medical and Dental Assistants carry a median federal debt of $6,887 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,887 |
| Students who completed (graduates) | $8,309 |
| Students who withdrew | $3,358 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for New York School for Medical and Dental Assistants.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,171 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
How wide this percentile range is tells you how much borrowing varies across students at New York School for Medical and Dental Assistants.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at New York School for Medical and Dental Assistants.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 49 | $3,572 |
These figures turn the debt totals into a monthly repayment picture for New York School for Medical and Dental Assistants.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for New York School for Medical and Dental Assistants appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.0% |
| Borrowers in the cohort | 505 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,647 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,547 |
| Continuing-generation students | $4,569 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,446 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at New York School for Medical and Dental Assistants.
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.