by our College Data Analytics TeamThis page focuses on the debt students take on to attend Rolf Institute of Structural Integration— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
For incoming students at Rolf Institute of Structural Integration, 50% of new students use loans toward freshman-year expenses, borrowing on average $22,487 per student, private and federal loans combined.
The typical federal loan comes to $7,636. This is at or above the $5,500 first-year federal borrowing cap that applies to 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.
Counting every undergraduate at Rolf Institute of Structural Integration, 48% finance part of their studies with federal loans, with a mean of $7,389 per year. That amounts to 3.2% less than the freshman federal average of $7,636.
Carrying that yearly figure forward comes to roughly $14,778 over two years and about $29,556 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 48% |
| Average federal loan per year | $7,389 |
| Undergraduates with a federal loan | 21 |
| Total federal loans (one year) | $155,170 |
The median student at Rolf Institute of Structural Integration borrows $7,716 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,716 |
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Rolf Institute of Structural Integration.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $3,857 |
| 75th percentile | $7,716 |
These figures turn the debt totals into a monthly repayment picture for Rolf Institute of Structural Integration.
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 Rolf Institute of Structural Integration follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 3 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The Difference Between Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Worth Knowing
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.