Huntington Learning Center Franchise Failure Rate
SBA 7(a) loan default data, FY2010–FY2019 · Updated 2026
Huntington Learning Center franchisees defaulted on 18.2% of SBA 7(a) loans between FY2010 and FY2019 — 6 of 33 loans were charged off — according to U.S. Small Business Administration data. That is higher than the Exam Preparation and Tutoring industry average of 15.3%.
- 18.2%SBA default rate6 of 33 loans
- 33loans resolvedapproved FY2010–FY2019
- 15.3%Exam Preparation and Tutoring averageall SBA loans in the industry
- 2nd lowestindustry rankof 3 Exam Preparation and Tutoring brands
| SBA default rate | 18.2% |
|---|---|
| Loans approved | 33 |
| Loans charged off | 6 |
| Date range | FY2010–FY2019 |
| Industry | Exam Preparation and Tutoring |
| Industry average | 15.3% |
| Data source | U.S. SBA 7(a) FOIA loan data |
Most SBA default figures published online use loans approved since 2020 — loans that have had six years or less to fail — so those rates are floors, not outcomes. Every rate on this site is computed from the matured FY2010–FY2019 cohort: loans that have been paid in full or charged off, so the result is settled. Loans approved since 2020 are shown as counts so early charge-offs are visible without being mistaken for a rate.
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
About 1 in 5 Huntington Learning Center SBA borrowers failed to repay — above the Exam Preparation and Tutoring average of 15.3%.
What is the Huntington Learning Center franchise failure rate on SBA loans?
Huntington Learning Center is a Exam Preparation and Tutoring franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Huntington Learning Center franchisees: 33 loans approved between fiscal 2010 and 2019, of which 6 were charged off. Loan statuses are as of June 30, 2026, and the cohort has matured, so these are settled outcomes rather than projections.
- SBA 7(a) loans approved FY2010–FY201933
- Charged off6
- Charge-off rate18.2%
- Exam Preparation and Tutoring franchise benchmark15.3%
- Brand vs industry1.2x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$213,915
- New SBA loans since 202032
- Early charge-offs since 20200
How does Huntington Learning Center compare with other Exam Preparation and Tutoring franchises?
The table sets Huntington Learning Center's charge-off rate beside its Exam Preparation and Tutoring peers and the two economy-wide benchmarks. All figures use the same cohort — SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026 — and the same denominator of resolved loans, so they are directly comparable.
| Measure | Huntington Learning Center | Exam Preparation and Tutoring | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 18.2% | 15.3% | 10.2% | 8.0% |
| Loans in sample | 33 | — | — | — |
| Defaults | 6 | — | — | — |
| Average loan size | $213,915 | — | — | — |
What has Huntington Learning Center SBA lending looked like since 2020?
Since 2020, Huntington Learning Center franchisees have taken 32 new SBA 7(a) loans. None have charged off to date, though most remain outstanding and unresolved.
Loans approved since 2020, by fiscal year — counts only: 0 have charged off to date and most are still outstanding, so no rate is drawn.
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2010 | 5 | 3 | 60.0% |
| FY2011 | 5 | 2 | 40.0% |
| FY2013 | 1 | 0 | 0.0% |
| FY2014 | 2 | 0 | 0.0% |
| FY2015 | 5 | 0 | 0.0% |
| FY2016 | 5 | 1 | 20.0% |
| FY2017 | 1 | 0 | 0.0% |
| FY2018 | 4 | 0 | 0.0% |
| FY2019 | 5 | 0 | 0.0% |
| FY2020 | 2 | — | outstanding |
| FY2021 | 3 | — | outstanding |
| FY2022 | 4 | — | outstanding |
| FY2023 | 8 | — | outstanding |
| FY2024 | 4 | — | outstanding |
| FY2025 | 9 | — | outstanding |
| FY2026 | 2 | — | outstanding |
How to read this
A charge-off means a franchisee borrowed, operated, and failed severely enough that the SBA wrote off the government-guaranteed loan. Unlike franchisor marketing or Item 19 disclosures, this is an observed outcome recorded by a federal agency. One caveat cuts the other way: SBA borrowers are typically less capitalized than all-cash buyers, so these rates can overstate risk for well-funded operators.
How reliable is this number?
Huntington Learning Center's figure rests on 33 resolved SBA 7(a) loans approved between fiscal 2010 and 2019. That cohort has matured, so the rate is a settled outcome, not a projection. With 33 resolved loans, one default moves the rate by about 3.0 percentage points. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every Huntington Learning Center figure is recomputed from the public SBA FOIA file on each rebuild.
Based on 33 resolved loans — directional, not precise.
Is Huntington Learning Center in financial trouble? What the SBA data shows
Huntington Learning Center's SBA 7(a) default rate was 18.2% for loans approved FY2010–FY2019 (6 of 33 loans charged off) — 2nd lowest of 3 Exam Preparation and Tutoring brands tracked here. A default rate close to the Exam Preparation and Tutoring average of 15.3% is, on its own, neither a warning sign nor a reassurance.
Frequently asked
- What is Huntington Learning Center's franchise failure rate?
- Huntington Learning Center franchisees defaulted on 18.2% of SBA 7(a) loans between FY2010 and FY2019 — 6 of 33 loans were charged off — according to U.S. Small Business Administration data. That is higher than the Exam Preparation and Tutoring industry average of 15.3%.
- How does Huntington Learning Center compare to other Exam Preparation and Tutoring franchises?
- Huntington Learning Center's 18.2% SBA default rate is higher than the Exam Preparation and Tutoring industry average of 15.3%. See every Exam Preparation and Tutoring franchise ranked on the Exam Preparation and Tutoring industry page. Exam Preparation and Tutoring franchises →
- What does 'SBA default rate' mean?
- An SBA default rate is the share of SBA 7(a) loans, approved FY2010–FY2019 and since resolved (paid in full or charged off), that were charged off — written off after the borrower failed to repay. It is not a measure of unit closures.
Source
Source: U.S. Small Business Administration, 7(a) loan program charge-off data, FY2010–FY2019. Franchise data is matched on the SBA's franchise code / brand name. "Failure rate" here means the share of approved loans (resolved: paid in full or charged off) that were charged off; it is not a measure of unit closures. Last updated September 30, 2026.
Every brand in one table, with percentiles and breakdowns by year, industry and loan size: franchise SBA default rates, all 415 brands.
Cite this page
Franchise Default Rates (2026). Huntington Learning Center franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 18.2% (6 of 33 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/huntington-learning-center/ · Data & methodology · Download the dataset (CSV)