by our College Data Analytics TeamThis page focuses on the debt students take on to attend MDT College of Health Sciences, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at ATS Institute of Technology, 100% of new students use loans toward freshman-year expenses, for an average of $7,456 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $7,456. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at ATS Institute of Technology (freshmen included), 95% rely on federal student loans toward their education, at an average of $7,917 annually. That is 6.2% higher than the $7,456 freshmen take on.
Borrowing the same amount each year would add up to roughly $15,834 in two years and roughly $31,668 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 95% |
| Average federal loan per year | $7,917 |
| Undergraduates with a federal loan | 319 |
| Total federal loans (one year) | $2,525,650 |
Graduating and withdrawing students at ATS Institute of Technology carry a median federal debt of $14,250 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,250 |
| Students who completed (graduates) | $19,500 |
| Students who withdrew | $9,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for ATS Institute of Technology.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $8,208 |
| 75th percentile | $19,000 |
| 90th percentile (highest-debt students) | $23,750 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at ATS Institute of Technology.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for ATS Institute of Technology.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 55 | $12,000 |
The indicators below describe what the typical debt costs to pay back at ATS Institute of Technology.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for ATS Institute of Technology follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.2% |
| Borrowers in the cohort | 236 |
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 | $14,250 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,250 |
| Continuing-generation students | $14,250 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,500 |
| Independent students | $14,250 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at ATS Institute of Technology.
Subsidized vs. 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.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.