by our College Data Analytics TeamHere you will find what students actually borrow to attend WellSpring School of Allied Health-Kansas City, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at WellSpring - Kansas City, 84% of first-year students take on loan debt, averaging $9,501 each — a figure that counts both private and federal student loans.
The average federally funded loan is $9,225. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at WellSpring - Kansas City, freshmen included, 85% borrow through federal student loan programs, at an average of $7,914 a year. That is 14.2% lower than the $9,225 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $15,828 by year two and around $31,656 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 | 85% |
| Average federal loan per year | $7,914 |
| Undergraduates with a federal loan | 250 |
| Total federal loans (one year) | $1,978,526 |
The median student at WellSpring - Kansas City borrows $7,917 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,917 |
| Students who completed (graduates) | $7,917 |
| Students who withdrew | $4,584 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for WellSpring - Kansas City.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,959 |
| 25th percentile | $6,000 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at WellSpring - Kansas City.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for WellSpring - Kansas City.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 59 | $9,346 |
These figures turn the debt totals into a monthly repayment picture for WellSpring - Kansas City.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for WellSpring - Kansas City is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.6% |
| Borrowers in the cohort | 130 |
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 | $7,917 |
| Middle income | $7,917 |
| High income | $7,917 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,917 |
| Continuing-generation students | $7,917 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,250 |
| Independent students | $7,917 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at WellSpring - Kansas City.
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.
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.