by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Angeles Institute: 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.
Looking at the entering class at Angeles Institute, 98% of new students use loans toward freshman-year expenses, averaging $14,060 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $11,361. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at Angeles Institute, freshmen included, 69% take out federal student loans, for a typical $11,231 in federal loans per year. This is 1.1% smaller than the $11,361 borrowed by freshmen.
At a steady annual pace, that totals around $22,462 by year two and around $44,924 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 69% |
| Average federal loan per year | $11,231 |
| Undergraduates with a federal loan | 160 |
| Total federal loans (one year) | $1,797,020 |
Graduating and withdrawing students at Angeles Institute carry a median federal debt of $14,377 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,377 |
| Students who completed (graduates) | $17,238 |
| Students who withdrew | $13,642 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Angeles Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $10,050 |
| 75th percentile | $16,850 |
| 90th percentile (highest-debt students) | $16,850 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Angeles Institute.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Angeles Institute.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 42 | $14,188 |
The indicators below describe what the typical debt costs to pay back at Angeles Institute.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Angeles Institute follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.1% |
| Borrowers in the cohort | 45 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $17,633 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,080 |
| Continuing-generation students | $16,793 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,627 |
| Independent students | $17,783 |
Federal data publishes the following gap measures for Angeles Institute.
The Difference Between 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.
Did You Know?
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.