by our College Data Analytics TeamThis page focuses on the debt students take on to attend American College of Healthcare and Technology, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Among first-year students at ACHT, 86% of freshmen borrow to help pay for their first year, for an average of $9,291 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $9,179. This meets or exceeds the $5,500 cap on first-year federal borrowing 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.
Looking at all undergraduates at ACHT, freshmen included, 84% rely on federal student loans toward their education, for a typical $9,614 annually. That is 4.7% larger than the first-year federal average of $9,179.
Carrying that yearly figure forward comes to roughly $19,228 by year two and around $38,456 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 84% |
| Average federal loan per year | $9,614 |
| Undergraduates with a federal loan | 404 |
| Total federal loans (one year) | $3,884,117 |
Graduating and withdrawing students at ACHT carry a median federal debt of $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.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for ACHT.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at ACHT.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at ACHT.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 144 | $4,596 |
| Completed (graduates) | 115 | $4,644 |
| Did not complete | 29 | $4,444 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $55.22/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. ACHT.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for ACHT is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.7% |
| Borrowers in the cohort | 297 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $5,500 |
| High income | $5,500 |
By First-Generation Status
| 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 |
Federal data publishes the following gap measures for ACHT.
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.