by our College Data Analytics TeamThis page focuses on the debt students take on to attend Academy for Nursing and Health Occupations: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At ANHO specifically, 77% of incoming students take out a loan to help cover first-year costs, averaging $8,407 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $8,407. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at ANHO, 68% borrow through federal student loan programs, borrowing on average $10,168 a year. This works out to 20.9% more than the $8,407 freshmen take on.
At a steady annual pace, that totals around $20,336 in two years and roughly $40,672 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 | 68% |
| Average federal loan per year | $10,168 |
| Undergraduates with a federal loan | 506 |
| Total federal loans (one year) | $5,145,113 |
The median student at ANHO borrows $15,715 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,715 |
| Students who completed (graduates) | $20,293 |
| Students who withdrew | $11,039 |
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 ANHO.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $6,000 |
| 75th percentile | $17,155 |
| 90th percentile (highest-debt students) | $23,862 |
How wide this percentile range is tells you how much borrowing varies across students at ANHO.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at ANHO.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 57 | $4,316 |
| Completed (graduates) | 27 | $5,300 |
| Did not complete | 30 | $3,547 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $63.02/mo.
The indicators below describe what the typical debt costs to pay back at ANHO.
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 ANHO appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.9% |
| Borrowers in the cohort | 302 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $14,771 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,699 |
| Continuing-generation students | $16,086 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,430 |
| Independent students | $15,749 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at ANHO.
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.
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.