by our College Data Analytics TeamHere you will find what students actually borrow to attend Arizona Christian University— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Arizona Christian University, 90% of freshmen borrow to help pay for their first year, at roughly $12,579 per student, private and federal loans combined.
The average federally funded loan is $9,479. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at Arizona Christian University, 75% finance part of their studies with federal loans, for a typical $10,273 annually. That is 8.4% larger than the freshman federal average of $9,479.
Carrying that yearly figure forward comes to roughly $20,546 across two years and $41,092 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 75% |
| Average federal loan per year | $10,273 |
| Undergraduates with a federal loan | 848 |
| Total federal loans (one year) | $8,711,539 |
The middle borrower at Arizona Christian University owes $6,251 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,251 |
| Students who completed (graduates) | $23,000 |
| Students who withdrew | $5,500 |
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 Arizona Christian University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $18,750 |
| 90th percentile (highest-debt students) | $27,000 |
How wide this percentile range is tells you how much borrowing varies across students at Arizona Christian University.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Arizona Christian University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 195 | $20,115 |
| Completed (graduates) | 53 | $33,212 |
| Did not complete | 142 | $18,000 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $394.93/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Arizona Christian University.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 184 | — |
| No Stafford loan this year | 11 | — |
The indicators below describe what the typical debt costs to pay back at Arizona Christian University.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Arizona Christian University is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.0% |
| Borrowers in the cohort | 158 |
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 | $6,500 |
| Middle income | $6,250 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,500 |
| Continuing-generation students | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,983 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Arizona Christian University.
Subsidized and 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.