by our College Data Analytics TeamThis page focuses on the debt students take on to attend National Aviation Academy of Tampa Bay— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At National Aviation Academy of Tampa Bay, 72% of freshmen borrow to help pay for their first year, at roughly $12,728 per borrower, covering both private and federal loans.
The average federal loan is $10,244. This reaches or tops the $5,500 first-year federal borrowing cap 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.
Across the full undergraduate body at National Aviation Academy of Tampa Bay (freshmen included), 67% finance part of their studies with federal loans, with a mean of $9,117 in federal loans per year. That amounts to 11.0% below the $10,244 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $18,234 in two years and roughly $36,468 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 67% |
| Average federal loan per year | $9,117 |
| Undergraduates with a federal loan | 627 |
| Total federal loans (one year) | $5,716,166 |
The middle borrower at National Aviation Academy of Tampa Bay owes $21,313 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $21,313 |
| Students who completed (graduates) | $22,000 |
| Students who withdrew | $6,030 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at National Aviation Academy of Tampa Bay.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $9,500 |
| 75th percentile | $22,777 |
| 90th percentile (highest-debt students) | $33,652 |
How wide this percentile range is tells you how much borrowing varies across students at National Aviation Academy of Tampa Bay.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at National Aviation Academy of Tampa Bay.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 195 | $14,225 |
| Completed (graduates) | 158 | $15,830 |
| Did not complete | 37 | $7,453 |
On a standard 10-year plan, the median completing borrower would pay about $188.24/mo.
These figures turn the debt totals into a monthly repayment picture for National Aviation Academy of Tampa Bay.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for National Aviation Academy of Tampa Bay is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.3% |
| Borrowers in the cohort | 342 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $21,858 |
| Middle income | $19,888 |
| High income | $13,666 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $21,389 |
| Continuing-generation students | $20,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,363 |
| Independent students | $22,777 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at National Aviation Academy of Tampa Bay.
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.
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.