by our College Data Analytics TeamBelow is federal data on the loans students use to pay for American Jewish University, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For undergraduates overall at AJU, 17% borrow through federal student loan programs, borrowing on average $5,196 each per year.
Repeating that yearly amount projects to about $10,392 across two years and $20,784 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 17% |
| Average federal loan per year | $5,196 |
| Undergraduates with a federal loan | 12 |
| Total federal loans (one year) | $62,346 |
The middle borrower at AJU owes $18,667 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $18,667 |
The indicators below describe what the typical debt costs to pay back at AJU.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for AJU is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.1% |
| Borrowers in the cohort | 46 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The Difference Between Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
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.