by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Alaska Pacific University: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Alaska Pacific, 44% of freshmen borrow to help pay for their first year, for an average of $4,273 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $4,273, amounting to 77.7% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Alaska Pacific, 42% take out federal student loans, for a typical $6,995 annually. That is 63.7% above the freshman federal average of $4,273.
Borrowing at that rate every year works out to about $13,990 in two years and roughly $27,980 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 42% |
| Average federal loan per year | $6,995 |
| Undergraduates with a federal loan | 171 |
| Total federal loans (one year) | $1,196,070 |
The median student at Alaska Pacific borrows $12,696 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,696 |
| Students who completed (graduates) | $23,500 |
| Students who withdrew | $8,250 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Alaska Pacific.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,250 |
| 25th percentile | $5,500 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $36,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Alaska Pacific.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Alaska Pacific.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 46 | $15,098 |
Federal data lets us separate Stafford borrowers from the rest at Alaska Pacific.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 34 | — |
| No Stafford loan this year | 12 | — |
The indicators below describe what the typical debt costs to pay back at Alaska Pacific.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Alaska Pacific is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.7% |
| Borrowers in the cohort | 189 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $11,250 |
| Middle income | $11,000 |
| High income | $16,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,500 |
| Continuing-generation students | $13,360 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,125 |
| Independent students | $14,632 |
Federal data publishes the following gap measures for Alaska Pacific.
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?
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.