by our College Data Analytics TeamThis page focuses on the debt students take on to attend Aims Community College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Aims Community College, 7% of new students use loans toward freshman-year expenses, for an average of $5,018 apiece. This figure includes both private and federally funded student loans.
The average federally funded loan is $4,373, amounting to 79.5% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at Aims Community College, freshmen included, 6% borrow through federal student loan programs, for a typical $4,906 a year. That is 12.2% larger than the $4,373 freshmen take on.
At a steady annual pace, that totals around $9,812 after two years and $19,624 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 6% |
| Average federal loan per year | $4,906 |
| Undergraduates with a federal loan | 191 |
| Total federal loans (one year) | $937,063 |
Graduating and withdrawing students at Aims Community College carry a median federal debt of $5,250 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,250 |
| Students who completed (graduates) | $6,844 |
| Students who withdrew | $4,502 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Aims Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,000 |
| 75th percentile | $10,000 |
| 90th percentile (highest-debt students) | $18,500 |
How wide this percentile range is tells you how much borrowing varies across students at Aims Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Aims Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 399 | $13,169 |
| Completed (graduates) | 106 | $11,959 |
| Did not complete | 293 | $14,014 |
On a standard 10-year plan, the median completing borrower would pay about $142.21/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Aims Community College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 377 | $13,634 |
| No Stafford loan | 22 | $11,964 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 111 | $11,960 |
| No Stafford loan this year | 288 | $14,048 |
The indicators below describe what the typical debt costs to pay back at Aims Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Aims Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 19.7% |
| Borrowers in the cohort | 1023 |
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 | $6,954 |
| Middle income | $4,750 |
| High income | $3,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,250 |
| Continuing-generation students | $4,750 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,500 |
| Independent students | $6,895 |
Federal data publishes the following gap measures for Aims Community College.
The Difference Between Subsidized and 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.
Important to Remember
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.