by our College Data Analytics TeamThis page focuses on the debt students take on to attend Arizona College-Glendale: 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.
Looking at the entering class at Arizona College-Glendale, 81% of freshmen borrow to help pay for their first year, averaging $8,839 per student, private and federal loans combined.
The average federally funded loan is $8,404. 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 Arizona College-Glendale, 78% take out federal student loans, for a typical $5,882 annually. That amounts to 30.0% below the first-year federal average of $8,404.
Repeating that yearly amount projects to about $11,764 by year two and around $23,528 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 78% |
| Average federal loan per year | $5,882 |
| Undergraduates with a federal loan | 396 |
| Total federal loans (one year) | $2,329,231 |
The middle borrower at Arizona College-Glendale 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 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Arizona College-Glendale.
| 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 spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Arizona College-Glendale.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Arizona College-Glendale.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 472 | $8,802 |
| Completed (graduates) | 200 | $9,144 |
| Did not complete | 272 | $8,692 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $108.73/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Arizona College-Glendale.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 429 | $8,933 |
| No Stafford loan this year | 43 | $6,900 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Arizona College-Glendale.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Arizona College-Glendale 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.
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 | $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 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,972 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Arizona College-Glendale.
The Difference Between 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.
Important to Remember
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.