by our College Data Analytics TeamA large number of students are not billed the advertised price of a school. Instead, they will be provided a financial aid package that will include a combination of scholarships, grants, loans, and work-study. The sum total of attendance at American Institute - Toms River can sound overwhelming, but bear in mind that many students get some type of financial aid.
What financial aid options can American Institute - Toms River offer you, and what will you qualify for? Keep reading for more information. Keep scrolling to discover what amount of financial assistance could be accessible to you.
The amount of financial aid you can receive varies from person to person and will depend on your family’s economic situation. The information provided on this page can help you determine how much aid you may receive from American Institute - Toms River.
Through a mix of loans, grants, work-study and scholarships, schools bring down the effective cost so more students can attend. Some kinds of aid are clearly preferable to others, and outcomes differ across students.
Among first-time, full-time freshmen at American Institute - Toms River, 100% of the incoming full-time class was awarded financial aid (about 164 freshmen).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 93% | $5,121 |
| Institutional grants & scholarships | 5% | $4,559 |
| Federal Pell grants | 92% | $4,582 |
| State/local grants | 5% | $4,615 |
| Federal student loans | 93% | $6,201 |
Unlike loans, grants and scholarships are gift aid that does not need to be paid back, making them the most desirable form of assistance. At American Institute - Toms River, around 80% of the undergraduate population received grant aid that averaged $4,236 (for some 540 students).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 80% | $4,236 |
| Federal Pell grants | 79% | $3,893 |
| Federal student loans | 93% | $6,601 |
On-campus students receiving title-IV aid were awarded grants averaging $5,015.
How much a family pays depends heavily on income, because most aid is awarded on the basis of financial need.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $16,844 |
| $30,001 – $75,000 | $17,462 |
| Over $75,000 | $21,933 |
The numbers above are post-aid net prices, so they already account for grants and scholarships.
The net price strips out grant and scholarship aid from the sticker price to show roughly what families really pay.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $19,781 |
| Off-campus title-IV students | $17,387 |
For a personalized estimate based on your family’s financial situation, use American Institute - Toms River’s NPC: www.americaninstitute.edu/npc/toms-river.htm.
Graduating students at American Institute - Toms River carry a median federal student debt of $9,304 in federal student debt.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $9,304 |
| Median federal debt (graduates only) | $11,979 |
| Typical 10-year monthly payment (graduates) | $127.0/mo |
The 10-year payment estimate assumes a standard federal repayment plan and the median graduate debt amount.
Percentiles reveal the spread — half of all borrowers fall between the 25th and 75th percentiles. Use the percentiles below to see the debt range at American Institute - Toms River.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,982 |
| 75th percentile | $11,206 |
| 90th percentile (highest-debt students) | $13,300 |
Debt outcomes are not uniform — they shift with income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $8,521 |
| High income | $9,022 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,300 |
| Continuing-generation students | $9,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,483 |
| Independent students | $9,500 |
A handful of calculated indicators summarize the debt outlook at American Institute - Toms River.
Stafford loans are the federal government’s primary direct undergraduate lending program. Below is the annual Stafford program activity at American Institute - Toms River:
| Metric | Value |
|---|---|
| Stafford loan recipients | 13028 |
| Total Stafford loan amount | $123,886,892 |
The GI Bill and DoD Tuition Assistance are the main federal aid routes for veterans and service members.
Post-9/11 GI Bill recipients
| Metric | Value |
|---|---|
| GI Bill recipients | 1 |
| Total GI Bill amount | $14,020 |
| Average GI Bill amount per recipient | $14,020 |
References
More about our data sources and methodologies.