by our College Data Analytics TeamThis page focuses on the debt students take on to attend Pensacola School of Massage Therapy & Health Careers: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
The middle borrower at Pensacola School of Massage Therapy & Health Careers owes $5,790 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,790 |
| Students who completed (graduates) | $5,945 |
| Students who withdrew | $2,973 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Pensacola School of Massage Therapy & Health Careers.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,595 |
| 25th percentile | $3,911 |
| 75th percentile | $5,489 |
| 90th percentile (highest-debt students) | $6,755 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Pensacola School of Massage Therapy & Health Careers.
Repayment burden translates the debt figures into what a borrower actually pays each month. Pensacola School of Massage Therapy & Health Careers.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Pensacola School of Massage Therapy & Health Careers is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.5% |
| Borrowers in the cohort | 122 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $5,945 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,911 |
| Independent students | $5,945 |
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.
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.