by our College Data Analytics TeamHere you will find what students actually borrow to attend American College of Healthcare and Technology-Santa Ana, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At American College of Healthcare and Technology-Santa Ana specifically, 93% of incoming students take out a loan to help cover first-year costs, with a typical loan of $8,485 per borrower, covering both private and federal loans.
On the federal side, the average loan is $8,284. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at American College of Healthcare and Technology-Santa Ana, 93% finance part of their studies with federal loans, averaging $8,161 each per year. This is 1.5% lower than the first-year federal average of $8,284.
Carrying that yearly figure forward comes to roughly $16,322 over two years and about $32,644 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 93% |
| Average federal loan per year | $8,161 |
| Undergraduates with a federal loan | 112 |
| Total federal loans (one year) | $913,976 |
The middle borrower at American College of Healthcare and Technology-Santa Ana owes $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $5,992 |
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 American College of Healthcare and Technology-Santa Ana.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $9,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $19,830 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at American College of Healthcare and Technology-Santa Ana.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for American College of Healthcare and Technology-Santa Ana.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 144 | $4,596 |
| Completed (graduates) | 115 | $4,644 |
| Did not complete | 29 | $4,444 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $55.22/mo.
These figures turn the debt totals into a monthly repayment picture for American College of Healthcare and Technology-Santa Ana.
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 College of Healthcare and Technology-Santa Ana appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.7% |
| Borrowers in the cohort | 297 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $5,500 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at American College of Healthcare and Technology-Santa Ana.
The Difference Between Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.