by our College Data Analytics TeamHere you will find what students actually borrow to attend Advanced Training Institute, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For undergraduates overall at Advanced Training Institute, 54% borrow through federal student loan programs, borrowing on average $6,467 a year.
Borrowing the same amount each year would add up to roughly $12,934 after two years and $25,868 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 54% |
| Average federal loan per year | $6,467 |
| Undergraduates with a federal loan | 480 |
| Total federal loans (one year) | $3,104,354 |
The median student at Advanced Training Institute borrows $7,600 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,600 |
| Students who completed (graduates) | $7,600 |
| Students who withdrew | $4,490 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Advanced Training Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,800 |
| 25th percentile | $6,030 |
| 75th percentile | $8,867 |
| 90th percentile (highest-debt students) | $13,000 |
How wide this percentile range is tells you how much borrowing varies across students at Advanced Training Institute.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Advanced Training Institute.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 28 | $8,017 |
These figures turn the debt totals into a monthly repayment picture for Advanced Training Institute.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Advanced Training Institute follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.7% |
| Borrowers in the cohort | 29 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,600 |
| Middle income | $7,600 |
| High income | $7,154 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,600 |
| Continuing-generation students | $7,600 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,134 |
| Independent students | $7,989 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Advanced Training Institute.
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
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.