by our College Data Analytics TeamThis page focuses on the debt students take on to attend American Baptist College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At ABTS Nashville specifically, 50% of freshmen borrow to help pay for their first year, averaging $9,500 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $9,500. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at ABTS Nashville, freshmen included, 67% take out federal student loans, averaging $8,888 a year. That is 6.4% lower than the first-year federal average of $9,500.
Borrowing at that rate every year works out to about $17,776 after two years and $35,552 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 | 67% |
| Average federal loan per year | $8,888 |
| Undergraduates with a federal loan | 32 |
| Total federal loans (one year) | $284,413 |
Graduating and withdrawing students at ABTS Nashville carry a median federal debt of $19,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $19,000 |
| Students who withdrew | $14,765 |
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 ABTS Nashville.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $9,500 |
| 75th percentile | $41,250 |
These figures turn the debt totals into a monthly repayment picture for ABTS Nashville.
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 ABTS Nashville is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 8 |
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 | $19,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $17,500 |
| Independent students | $19,500 |
Federal data publishes the following gap measures for ABTS Nashville.
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.
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.