by our College Data Analytics TeamThis page focuses on the debt students take on to attend Advanced Technology Institute— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at ATI, 43% of incoming students take out a loan to help cover first-year costs, for an average of $9,623 per borrower, covering both private and federal loans.
The average federal loan is $9,669. 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.
Across the full undergraduate body at ATI (freshmen included), 37% rely on federal student loans toward their education, borrowing on average $8,027 a year. That amounts to 17.0% less than the first-year federal average of $9,669.
Borrowing at that rate every year works out to about $16,054 across two years and $32,108 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 37% |
| Average federal loan per year | $8,027 |
| Undergraduates with a federal loan | 139 |
| Total federal loans (one year) | $1,115,693 |
Graduating and withdrawing students at ATI carry a median federal debt of $12,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $14,873 |
| Students who withdrew | $7,740 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 ATI.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,700 |
| 25th percentile | $8,791 |
| 75th percentile | $18,107 |
| 90th percentile (highest-debt students) | $20,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at ATI.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for ATI.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 122 | $12,836 |
| Completed (graduates) | 87 | $13,516 |
| Did not complete | 35 | $9,391 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $160.72/mo.
Federal data lets us separate Stafford borrowers from the rest at ATI.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 107 | — |
| No Stafford loan this year | 15 | — |
These figures turn the debt totals into a monthly repayment picture for ATI.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for ATI is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.4% |
| Borrowers in the cohort | 446 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $12,000 |
| Middle income | $12,000 |
| High income | $12,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $12,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $14,822 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at ATI.
The Difference Between 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.
Did You Know?
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.