by our College Data Analytics TeamHere you will find what students actually borrow to attend Arizona College of Nursing-Southfield— 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.
Looking at the entering class at Arizona College of Nursing-Southfield, 100% of new students use loans toward freshman-year expenses, borrowing on average $12,228 per borrower, covering both private and federal loans.
The typical federal loan comes to $10,123. 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.
Across the full undergraduate body at Arizona College of Nursing-Southfield (freshmen included), 90% finance part of their studies with federal loans, borrowing on average $11,442 per year. This works out to 13.0% higher than the first-year federal average of $10,123.
Borrowing the same amount each year would add up to roughly $22,884 in two years and roughly $45,768 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 90% |
| Average federal loan per year | $11,442 |
| Undergraduates with a federal loan | 358 |
| Total federal loans (one year) | $4,096,081 |
Graduating and withdrawing students at Arizona College of Nursing-Southfield carry a median federal debt of $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 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Arizona College of Nursing-Southfield.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at Arizona College of Nursing-Southfield.
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 of Nursing-Southfield.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 472 | $8,802 |
| Completed (graduates) | 200 | $9,144 |
| Did not complete | 272 | $8,692 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $108.73/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Arizona College of Nursing-Southfield.
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-Southfield.
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 of Nursing-Southfield follows.
| 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 |
First-Generation Comparison
| 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 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Arizona College of Nursing-Southfield.
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.
Worth Knowing
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.