by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Sunstate Academy, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Sunstate Academy FM, 27% of new students use loans toward freshman-year expenses, borrowing on average $5,941 each — a figure that counts both private and federal student loans.
The average federal loan is $5,941. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Across the full undergraduate body at Sunstate Academy FM (freshmen included), 42% finance part of their studies with federal loans, with a mean of $5,505 annually. It comes to 7.3% smaller than the $5,941 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $11,010 in two years and roughly $22,020 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 42% |
| Average federal loan per year | $5,505 |
| Undergraduates with a federal loan | 157 |
| Total federal loans (one year) | $864,324 |
The median student at Sunstate Academy FM borrows $6,953 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,953 |
| Students who completed (graduates) | $9,024 |
| Students who withdrew | $4,158 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Sunstate Academy FM.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $4,323 |
| 75th percentile | $9,482 |
| 90th percentile (highest-debt students) | $11,001 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Sunstate Academy FM.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Sunstate Academy FM.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 48 | $3,990 |
The indicators below describe what the typical debt costs to pay back at Sunstate Academy FM.
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 Sunstate Academy FM is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.6% |
| Borrowers in the cohort | 263 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,952 |
| Middle income | $7,667 |
| High income | $6,683 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,213 |
| Continuing-generation students | $6,333 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $7,937 |
Federal data publishes the following gap measures for Sunstate Academy FM.
The Difference Between 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
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.