by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Applied Technology Services: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Applied Technology Services, 72% of incoming students take out a loan to help cover first-year costs, borrowing on average $7,049 per borrower, covering both private and federal loans.
On the federal side, the average loan is $7,049. 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.
Among all degree-seeking undergrads at Applied Technology Services, 71% take out federal student loans, with a mean of $7,315 annually. This works out to 3.8% more than the $7,049 typical freshmen borrow.
Borrowing at that rate every year works out to about $14,630 after two years and $29,260 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 | 71% |
| Average federal loan per year | $7,315 |
| Undergraduates with a federal loan | 160 |
| Total federal loans (one year) | $1,170,477 |
Graduating and withdrawing students at Applied Technology Services carry a median federal debt of $14,750 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,750 |
| Students who completed (graduates) | $14,750 |
| Students who withdrew | $4,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Applied Technology Services.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $9,500 |
| 75th percentile | $14,750 |
| 90th percentile (highest-debt students) | $14,750 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Applied Technology Services.
These figures turn the debt totals into a monthly repayment picture for Applied Technology Services.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Applied Technology Services is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.0% |
| Borrowers in the cohort | 75 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $14,750 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,750 |
| Continuing-generation students | $14,750 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,750 |
| Independent students | $14,750 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Applied Technology Services.
Subsidized vs. 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.
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.