by our College Data Analytics TeamBelow is federal data on the loans students use to pay for All-State Career - Baltimore: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At All-State Career - Baltimore, 72% of first-year students take on loan debt, borrowing on average $6,547 each, across private and federal loan sources.
On the federal side, the average loan is $6,138. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at All-State Career - Baltimore, 55% use federal student loans to help pay for their education, for a typical $6,011 annually. This works out to 2.1% smaller than the first-year federal average of $6,138.
At a steady annual pace, that totals around $12,022 over two years and about $24,044 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 55% |
| Average federal loan per year | $6,011 |
| Undergraduates with a federal loan | 641 |
| Total federal loans (one year) | $3,852,951 |
Graduating and withdrawing students at All-State Career - Baltimore carry a median federal debt of $6,333 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $3,167 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 All-State Career - Baltimore.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $5,500 |
| 75th percentile | $9,414 |
| 90th percentile (highest-debt students) | $11,524 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at All-State Career - Baltimore.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at All-State Career - Baltimore.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 326 | $5,493 |
| Completed (graduates) | 234 | $5,755 |
| Did not complete | 92 | $4,697 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $68.43/mo.
Federal data lets us separate Stafford borrowers from the rest at All-State Career - Baltimore.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 277 | $5,491 |
| No Stafford loan this year | 49 | $5,700 |
Repayment burden translates the debt figures into what a borrower actually pays each month. All-State Career - Baltimore.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for All-State Career - Baltimore appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.1% |
| Borrowers in the cohort | 2308 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,334 |
| Middle income | $6,333 |
| High income | $6,333 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,333 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,347 |
| Independent students | $6,333 |
Federal data publishes the following gap measures for All-State Career - Baltimore.
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
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.