by our College Data Analytics TeamThis page focuses on the debt students take on to attend American Public University System: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
At American Military University specifically, 38% of incoming undergraduates borrow in year one, with a typical loan of $10,929 each, across private and federal loan sources.
The typical federal loan comes to $10,929. That is at or past the $5,500 federal first-year limit for 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.
Counting every undergraduate at American Military University, 13% borrow through federal student loan programs, averaging $8,895 per year. That amounts to 18.6% below the $10,929 borrowed by freshmen.
Repeating that yearly amount projects to about $17,790 over two years and about $35,580 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 13% |
| Average federal loan per year | $8,895 |
| Undergraduates with a federal loan | 4,922 |
| Total federal loans (one year) | $43,780,887 |
The median student at American Military University borrows $10,282 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,282 |
| Students who completed (graduates) | $21,743 |
| Students who withdrew | $7,170 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for American Military University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,640 |
| 25th percentile | $3,011 |
| 75th percentile | $16,198 |
| 90th percentile (highest-debt students) | $30,620 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at American Military University.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at American Military University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 5250 | $11,000 |
| Completed (graduates) | 1497 | $10,000 |
| Did not complete | 3753 | $11,500 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $118.91/mo.
Federal data lets us separate Stafford borrowers from the rest at American Military University.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 5139 | $11,025 |
| No Stafford loan | 111 | $9,000 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1525 | $9,627 |
| No Stafford loan this year | 3725 | $11,767 |
The indicators below describe what the typical debt costs to pay back at American Military University.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for American Military University is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.4% |
| Borrowers in the cohort | 4816 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $10,484 |
| High income | $13,280 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,425 |
| Continuing-generation students | $9,952 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,475 |
| Independent students | $10,500 |
Federal data publishes the following gap measures for American Military University.
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
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.