by our College Data Analytics TeamHere you will find what students actually borrow to attend American National University-Pikeville: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Looking at the entering class at ANU Lexington, 100% of freshmen borrow to help pay for their first year, with a typical loan of $9,771 each, across private and federal loan sources.
The average federal loan is $9,771. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at ANU Lexington, 87% use federal student loans to help pay for their education, borrowing on average $8,321 a year. This is 14.8% under the first-year federal average of $9,771.
Borrowing at that rate every year works out to about $16,642 in two years and roughly $33,284 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 87% |
| Average federal loan per year | $8,321 |
| Undergraduates with a federal loan | 199 |
| Total federal loans (one year) | $1,655,891 |
The median student at ANU Lexington borrows $10,814 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,814 |
| Students who completed (graduates) | $23,618 |
| Students who withdrew | $6,071 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at ANU Lexington.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $6,333 |
| 75th percentile | $25,500 |
| 90th percentile (highest-debt students) | $36,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at ANU Lexington.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for ANU Lexington.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 27 | $4,000 |
These figures turn the debt totals into a monthly repayment picture for ANU Lexington.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for ANU Lexington appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.1% |
| Borrowers in the cohort | 2014 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $10,800 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,931 |
| Continuing-generation students | $7,726 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,723 |
| Independent students | $11,639 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at ANU Lexington.
The Difference Between Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
Important to Remember
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.