by our College Data Analytics TeamHere you will find what students actually borrow to attend American College of Healthcare Sciences: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At American College of Healthcare Sciences, 75% of incoming undergraduates borrow in year one, averaging $6,286 apiece. This figure includes both private and federally funded student loans.
The average federally funded loan is $6,286. This is at or above the $5,500 first-year federal borrowing cap that applies to 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.
Among all degree-seeking undergrads at American College of Healthcare Sciences, 61% take out federal student loans, borrowing on average $6,261 annually. That amounts to 0.4% lower than the freshman federal average of $6,286.
Carrying that yearly figure forward comes to roughly $12,522 across two years and $25,044 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 61% |
| Average federal loan per year | $6,261 |
| Undergraduates with a federal loan | 492 |
| Total federal loans (one year) | $3,080,379 |
Graduating and withdrawing students at American College of Healthcare Sciences 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) | $13,523 |
| Students who withdrew | $9,500 |
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 College of Healthcare Sciences.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,319 |
| 25th percentile | $7,689 |
| 75th percentile | $29,331 |
| 90th percentile (highest-debt students) | $38,420 |
How wide this percentile range is tells you how much borrowing varies across students at American College of Healthcare Sciences.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at American College of Healthcare Sciences.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 73 | $13,370 |
| Completed (graduates) | 33 | $17,990 |
| Did not complete | 40 | $9,140 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $213.92/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. American College of Healthcare Sciences.
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 | $9,586 |
| Middle income | $9,500 |
| High income | $8,444 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,000 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for American College of Healthcare Sciences.
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
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.