by our College Data Analytics TeamHere you will find what students actually borrow to attend Walnut Hill College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For incoming students at The Restaurant School at Walnut Hill College, 76% of incoming undergraduates borrow in year one, averaging $6,333 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $6,333. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at The Restaurant School at Walnut Hill College, 57% rely on federal student loans toward their education, for a typical $9,495 per year. That is 49.9% larger than the $6,333 freshmen take on.
Repeating that yearly amount projects to about $18,990 after two years and $37,980 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 57% |
| Average federal loan per year | $9,495 |
| Undergraduates with a federal loan | 72 |
| Total federal loans (one year) | $683,668 |
The middle borrower at The Restaurant School at Walnut Hill College owes $12,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $18,765 |
| Students who withdrew | $8,403 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for The Restaurant School at Walnut Hill College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,668 |
| 25th percentile | $11,411 |
| 75th percentile | $20,000 |
| 90th percentile (highest-debt students) | $27,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at The Restaurant School at Walnut Hill College.
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 The Restaurant School at Walnut Hill College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 100 | $25,781 |
| Completed (graduates) | 56 | $44,550 |
| Did not complete | 44 | $16,162 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $529.75/mo.
Federal data lets us separate Stafford borrowers from the rest at The Restaurant School at Walnut Hill College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 90 | — |
| No Stafford loan this year | 10 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. The Restaurant School at Walnut Hill College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for The Restaurant School at Walnut Hill College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.2% |
| Borrowers in the cohort | 232 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $12,000 |
| High income | $12,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $12,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $12,166 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at The Restaurant School at Walnut Hill College.
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.
Important to Remember
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.