by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Ace Institute of Technology, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For incoming students at Ace Institute of Technology, 72% of first-year students take on loan debt, averaging $5,533 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $5,533. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Ace Institute of Technology, freshmen included, 72% borrow through federal student loan programs, with a mean of $6,175 a year. That is 11.6% above the $5,533 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $12,350 after two years and $24,700 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 72% |
| Average federal loan per year | $6,175 |
| Undergraduates with a federal loan | 286 |
| Total federal loans (one year) | $1,766,031 |
Graduating and withdrawing students at Ace Institute of Technology carry a median federal debt of $6,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,000 |
| Students who completed (graduates) | $6,471 |
| Students who withdrew | $4,475 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Ace Institute of Technology.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,067 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Ace Institute of Technology.
Repayment burden translates the debt figures into what a borrower actually pays each month. Ace Institute of Technology.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Ace Institute of Technology follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.0% |
| Borrowers in the cohort | 7 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $7,718 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Ace 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?
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.