by our College Data Analytics TeamHere you will find what students actually borrow to attend Atlantic University, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Atlantic University College, 0% of incoming students take out a loan to help cover first-year costs.
Across the full undergraduate body at Atlantic University College (freshmen included), 6% borrow through federal student loan programs, averaging $3,080 a year.
Carrying that yearly figure forward comes to roughly $6,160 in two years and roughly $12,320 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 6% |
| Average federal loan per year | $3,080 |
| Undergraduates with a federal loan | 96 |
| Total federal loans (one year) | $295,641 |
The middle borrower at Atlantic University College owes $4,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,500 |
| Students who completed (graduates) | $5,457 |
| Students who withdrew | $3,662 |
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 Atlantic University College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,000 |
| 25th percentile | $2,000 |
| 75th percentile | $6,183 |
| 90th percentile (highest-debt students) | $9,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Atlantic University College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Atlantic University College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 52 | $9,672 |
| Completed (graduates) | 21 | $17,352 |
| Did not complete | 31 | $8,000 |
On a standard 10-year plan, the median completing borrower would pay about $206.33/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Atlantic University College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 24 | $13,360 |
| No Stafford loan | 28 | $7,830 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 13 | — |
| No Stafford loan this year | 39 | — |
The indicators below describe what the typical debt costs to pay back at Atlantic University College.
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 Atlantic University College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.9% |
| Borrowers in the cohort | 208 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $4,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $4,100 |
| Continuing-generation students | $4,971 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,200 |
| Independent students | $5,500 |
Federal data publishes the following gap measures for Atlantic University College.
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.
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.