by our College Data Analytics TeamHere you will find what students actually borrow to attend ATA College— 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.
Looking at the entering class at Advanced Training Associates, 91% of first-year students take on loan debt, for an average of $6,825 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $6,825. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Advanced Training Associates, 75% take out federal student loans, at an average of $7,523 each per year. That amounts to 10.2% higher than the $6,825 typical freshmen borrow.
Borrowing at that rate every year works out to about $15,046 over two years and about $30,092 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 75% |
| Average federal loan per year | $7,523 |
| Undergraduates with a federal loan | 88 |
| Total federal loans (one year) | $662,010 |
The median student at Advanced Training Associates borrows $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $5,500 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for Advanced Training Associates.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,069 |
| 25th percentile | $5,500 |
| 75th percentile | $6,600 |
| 90th percentile (highest-debt students) | $8,200 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Advanced Training Associates.
The indicators below describe what the typical debt costs to pay back at Advanced Training Associates.
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 Advanced Training Associates appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 35 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $5,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,145 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Advanced Training Associates.
Subsidized vs. 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.
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.