by our College Data Analytics TeamThis page focuses on the debt students take on to attend American Career College-Anaheim: 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 American Career College - Anaheim specifically, 79% of incoming undergraduates borrow in year one, averaging $9,788 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $8,485. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at American Career College - Anaheim, 62% finance part of their studies with federal loans, borrowing on average $8,425 a year. That amounts to 0.7% below the $8,485 freshmen take on.
Borrowing the same amount each year would add up to roughly $16,850 over two years and about $33,700 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 62% |
| Average federal loan per year | $8,425 |
| Undergraduates with a federal loan | 1,578 |
| Total federal loans (one year) | $13,295,063 |
The median student at American Career College - Anaheim borrows $9,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $5,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for American Career College - Anaheim.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,583 |
| 25th percentile | $5,500 |
| 75th percentile | $10,267 |
| 90th percentile (highest-debt students) | $20,019 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at American Career College - Anaheim.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at American Career College - Anaheim.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 729 | $11,688 |
| Completed (graduates) | 560 | $12,366 |
| Did not complete | 169 | $7,506 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $147.04/mo.
Federal data lets us separate Stafford borrowers from the rest at American Career College - Anaheim.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 708 | $11,799 |
| No Stafford loan | 21 | $3,498 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 677 | $11,870 |
| No Stafford loan this year | 52 | $5,115 |
These figures turn the debt totals into a monthly repayment picture for American Career College - Anaheim.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for American Career College - Anaheim is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.9% |
| Borrowers in the cohort | 3770 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $10,122 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $13,910 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,127 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at American Career College - Anaheim.
Subsidized vs. 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.
Worth Knowing
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.