by our College Data Analytics TeamHere you will find what students actually borrow to attend Apollo Career Center: 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.
For incoming students at Apollo JVS, 23% of incoming students take out a loan to help cover first-year costs, at roughly $3,952 per borrower, covering both private and federal loans.
The average federal loan is $6,364. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at Apollo JVS, 9% borrow through federal student loan programs, at an average of $5,314 annually. This is 16.5% less than the first-year federal average of $6,364.
Borrowing at that rate every year works out to about $10,628 by year two and around $21,256 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 9% |
| Average federal loan per year | $5,314 |
| Undergraduates with a federal loan | 97 |
| Total federal loans (one year) | $515,494 |
Graduating and withdrawing students at Apollo JVS carry a median federal debt of $5,940 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,940 |
| Students who completed (graduates) | $8,107 |
| Students who withdrew | $3,822 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Apollo JVS.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,333 |
| 25th percentile | $4,750 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $13,195 |
How wide this percentile range is tells you how much borrowing varies across students at Apollo JVS.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Apollo JVS.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 19 | $7,974 |
These figures turn the debt totals into a monthly repayment picture for Apollo JVS.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Apollo JVS is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 0 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,840 |
| Middle income | $4,991 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,607 |
| Continuing-generation students | $3,960 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,243 |
| Independent students | $7,307 |
Federal data publishes the following gap measures for Apollo JVS.
Subsidized vs. Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Did You Know?
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.