by our College Data Analytics TeamThis page focuses on the debt students take on to attend Arizona College of Nursing-Tucson— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Among first-year students at Arizona College of Nursing-Tucson, 92% of incoming students take out a loan to help cover first-year costs, averaging $10,814 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $10,189. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Arizona College of Nursing-Tucson, freshmen included, 77% use federal student loans to help pay for their education, at an average of $11,560 annually. This works out to 13.5% larger than the $10,189 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $23,120 after two years and $46,240 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 | 77% |
| Average federal loan per year | $11,560 |
| Undergraduates with a federal loan | 422 |
| Total federal loans (one year) | $4,878,476 |
The median student at Arizona College of Nursing-Tucson 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 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Arizona College of Nursing-Tucson.
| 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-Tucson.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Arizona College of Nursing-Tucson.
| 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.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Arizona College of Nursing-Tucson.
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 |
The indicators below describe what the typical debt costs to pay back at Arizona College of Nursing-Tucson.
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-Tucson is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.3% |
| Borrowers in the cohort | 665 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| 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 |
Dependency-Status Comparison
| 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-Tucson.
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.
Worth Knowing
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.