by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Ambria College of Nursing, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Across the full undergraduate body at Ambria College of Nursing (freshmen included), 55% take out federal student loans, averaging $7,705 a year.
At a steady annual pace, that totals around $15,410 over two years and about $30,820 by the fourth year. 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 | $7,705 |
| Undergraduates with a federal loan | 156 |
| Total federal loans (one year) | $1,201,941 |
The middle borrower at Ambria College of Nursing owes $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $15,438 |
| Students who withdrew | $5,349 |
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 Ambria College of Nursing.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $4,750 |
| 75th percentile | $20,500 |
| 90th percentile (highest-debt students) | $30,126 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Ambria College of Nursing.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Ambria College of Nursing.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 34 | $15,291 |
The indicators below describe what the typical debt costs to pay back at Ambria College of Nursing.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Ambria College of Nursing follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.1% |
| Borrowers in the cohort | 113 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $9,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,381 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Ambria College of Nursing.
The Difference Between Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
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.