by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Soma Institute-The National School of Clinical Massage Therapy: 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.
Counting every undergraduate at Soma Institute-The National School of Clinical Massage Therapy, 53% rely on federal student loans toward their education, borrowing on average $5,087 a year.
Carrying that yearly figure forward comes to roughly $10,174 across two years and $20,348 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 53% |
| Average federal loan per year | $5,087 |
| Undergraduates with a federal loan | 257 |
| Total federal loans (one year) | $1,307,412 |
Graduating and withdrawing students at Soma Institute-The National School of Clinical Massage Therapy carry a median federal debt of $5,536 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,536 |
| Students who completed (graduates) | $7,916 |
| Students who withdrew | $3,958 |
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 Soma Institute-The National School of Clinical Massage Therapy.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,331 |
| 25th percentile | $4,582 |
| 75th percentile | $7,916 |
| 90th percentile (highest-debt students) | $7,916 |
How wide this percentile range is tells you how much borrowing varies across students at Soma Institute-The National School of Clinical Massage Therapy.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Soma Institute-The National School of Clinical Massage Therapy.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 26 | $8,588 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Soma Institute-The National School of Clinical Massage Therapy.
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 Soma Institute-The National School of Clinical Massage Therapy follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.6% |
| Borrowers in the cohort | 267 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,012 |
| Middle income | $6,508 |
| High income | $4,582 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,012 |
| Continuing-generation students | $4,582 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,582 |
| Independent students | $7,916 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Soma Institute-The National School of Clinical Massage Therapy.
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.
Worth Knowing
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.