by our College Data Analytics TeamHere you will find what students actually borrow to attend Arizona College of Nursing-Dallas— 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 College - Dallas, 88% of incoming students take out a loan to help cover first-year costs, at roughly $11,866 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $9,423. This is at or above the $5,500 first-year federal borrowing cap that applies to 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.
Among all degree-seeking undergrads at Arizona College - Dallas, 82% rely on federal student loans toward their education, at an average of $11,313 annually. It comes to 20.1% higher than the $9,423 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $22,626 over two years and about $45,252 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 82% |
| Average federal loan per year | $11,313 |
| Undergraduates with a federal loan | 310 |
| Total federal loans (one year) | $3,506,995 |
The middle borrower at Arizona College - Dallas owes $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $7,495 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Arizona College - Dallas.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $13,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Arizona College - Dallas.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Arizona College - Dallas.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 472 | $8,802 |
| Completed (graduates) | 200 | $9,144 |
| Did not complete | 272 | $8,692 |
On a standard 10-year plan, the median completing borrower would pay about $108.73/mo.
Federal data lets us separate Stafford borrowers from the rest at Arizona College - Dallas.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 429 | $8,933 |
| No Stafford loan this year | 43 | $6,900 |
The indicators below describe what the typical debt costs to pay back at Arizona College - Dallas.
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 Arizona College - Dallas appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.3% |
| Borrowers in the cohort | 665 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $10,250 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,803 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,972 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Arizona College - Dallas.
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.
Important to Remember
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.