by our College Data Analytics TeamThis page focuses on the debt students take on to attend Amridge University— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
For undergraduates overall at Amridge, 81% use federal student loans to help pay for their education, with a mean of $3,885 annually.
Borrowing at that rate every year works out to about $7,770 by year two and around $15,540 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 81% |
| Average federal loan per year | $3,885 |
| Undergraduates with a federal loan | 183 |
| Total federal loans (one year) | $711,029 |
The median student at Amridge borrows $13,385 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $13,385 |
| Students who completed (graduates) | $32,189 |
| Students who withdrew | $10,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Amridge.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,166 |
| 25th percentile | $4,750 |
| 75th percentile | $24,250 |
| 90th percentile (highest-debt students) | $38,455 |
How wide this percentile range is tells you how much borrowing varies across students at Amridge.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Amridge.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 101 | $7,772 |
| Completed (graduates) | 40 | $6,030 |
| Did not complete | 61 | $9,540 |
On a standard 10-year plan, the median completing borrower would pay about $71.7/mo.
Federal data lets us separate Stafford borrowers from the rest at Amridge.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 91 | — |
| No Stafford loan this year | 10 | — |
These figures turn the debt totals into a monthly repayment picture for Amridge.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Amridge follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.1% |
| Borrowers in the cohort | 336 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $12,875 |
| Middle income | $18,803 |
| High income | $19,917 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $13,453 |
| Continuing-generation students | $12,250 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,166 |
| Independent students | $14,250 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Amridge.
Subsidized vs. 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.
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.