by our College Data Analytics TeamThis page focuses on the debt students take on to attend Arizona College of Nursing-Aurora: 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.
At Arizona College of Nursing-Aurora, 100% of incoming students take out a loan to help cover first-year costs, for an average of $11,080 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $10,967. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Arizona College of Nursing-Aurora, freshmen included, 84% use federal student loans to help pay for their education, for a typical $12,193 each per year. This works out to 11.2% more than the $10,967 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $24,386 in two years and roughly $48,772 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 84% |
| Average federal loan per year | $12,193 |
| Undergraduates with a federal loan | 174 |
| Total federal loans (one year) | $2,121,538 |
The median student at Arizona College of Nursing-Aurora borrows $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $7,495 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Arizona College of Nursing-Aurora.
| 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 of Nursing-Aurora.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Arizona College of Nursing-Aurora.
| 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 of Nursing-Aurora.
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 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Arizona College of Nursing-Aurora.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Arizona College of Nursing-Aurora is shown 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 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Arizona College of Nursing-Aurora.
The Difference Between Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
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.