by our College Data Analytics TeamThis page focuses on the debt students take on to attend Avalon Institute-Las Vegas: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
For incoming students at Avalon Institute-Las Vegas, 84% of first-year students take on loan debt, for an average of $8,808 each, across private and federal loan sources.
The average federally funded loan is $8,808. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Avalon Institute-Las Vegas, 83% borrow through federal student loan programs, averaging $8,560 per year. This is 2.8% less than the $8,808 freshmen take on.
Borrowing the same amount each year would add up to roughly $17,120 after two years and $34,240 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 83% |
| Average federal loan per year | $8,560 |
| Undergraduates with a federal loan | 433 |
| Total federal loans (one year) | $3,706,503 |
Graduating and withdrawing students at Avalon Institute-Las Vegas carry a median federal debt of $6,312 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,312 |
| Students who completed (graduates) | $6,332 |
| Students who withdrew | $3,167 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Avalon Institute-Las Vegas.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,537 |
| 25th percentile | $3,664 |
| 75th percentile | $9,495 |
| 90th percentile (highest-debt students) | $12,012 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Avalon Institute-Las Vegas.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Avalon Institute-Las Vegas.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 241 | $6,409 |
| Completed (graduates) | 181 | $7,020 |
| Did not complete | 60 | $3,153 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $83.48/mo.
Federal data lets us separate Stafford borrowers from the rest at Avalon Institute-Las Vegas.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 230 | — |
| No Stafford loan this year | 11 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Avalon Institute-Las Vegas.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Avalon Institute-Las Vegas follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.9% |
| Borrowers in the cohort | 340 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $6,285 |
| Middle income | $6,332 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,287 |
| Continuing-generation students | $6,332 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,332 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Avalon Institute-Las Vegas.
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.