by our College Data Analytics TeamBelow is federal data on the loans students use to pay for AdventHealth University, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At AHU specifically, 64% of new students use loans toward freshman-year expenses, with a typical loan of $8,139 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $7,325. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at AHU (freshmen included), 52% borrow through federal student loan programs, with a mean of $7,872 per year. That is 7.5% more than the first-year federal average of $7,325.
Carrying that yearly figure forward comes to roughly $15,744 across two years and $31,488 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 52% |
| Average federal loan per year | $7,872 |
| Undergraduates with a federal loan | 552 |
| Total federal loans (one year) | $4,345,158 |
The median student at AHU borrows $18,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $18,000 |
| Students who completed (graduates) | $24,590 |
| Students who withdrew | $9,500 |
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 AHU.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $7,668 |
| 75th percentile | $25,791 |
| 90th percentile (highest-debt students) | $33,567 |
How wide this percentile range is tells you how much borrowing varies across students at AHU.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for AHU.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 180 | $12,944 |
| Completed (graduates) | 119 | $17,023 |
| Did not complete | 61 | $10,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $202.42/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at AHU.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 149 | $13,900 |
| No Stafford loan this year | 31 | $9,293 |
The indicators below describe what the typical debt costs to pay back at AHU.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for AHU follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.3% |
| Borrowers in the cohort | 777 |
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 | $19,668 |
| Middle income | $16,750 |
| High income | $16,540 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $17,348 |
| Continuing-generation students | $19,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,527 |
| Independent students | $21,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at AHU.
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.