by our College Data Analytics TeamHere you will find what students actually borrow to attend Arizona State University Digital Immersion, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at ASU - Skysong, 60% of first-year students take on loan debt, averaging $7,167 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $7,167. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at ASU - Skysong, 36% borrow through federal student loan programs, with a mean of $8,724 a year. That amounts to 21.7% more than the first-year federal average of $7,167.
Borrowing the same amount each year would add up to roughly $17,448 over two years and about $34,896 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 36% |
| Average federal loan per year | $8,724 |
| Undergraduates with a federal loan | 17,672 |
| Total federal loans (one year) | $154,170,554 |
The middle borrower at ASU - Skysong owes $13,610 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $13,610 |
| Students who completed (graduates) | $19,500 |
| Students who withdrew | $9,132 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 ASU - Skysong.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,240 |
| 25th percentile | $6,025 |
| 75th percentile | $25,000 |
| 90th percentile (highest-debt students) | $33,751 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at ASU - Skysong.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for ASU - Skysong.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 14478 | $20,092 |
| Completed (graduates) | 7830 | $23,519 |
| Did not complete | 6648 | $17,358 |
On a standard 10-year plan, the median completing borrower would pay about $279.67/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at ASU - Skysong.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 13847 | $20,000 |
| No Stafford loan | 631 | $22,000 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 11323 | $21,294 |
| No Stafford loan this year | 3155 | $17,000 |
The indicators below describe what the typical debt costs to pay back at ASU - Skysong.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for ASU - Skysong is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.1% |
| Borrowers in the cohort | 12569 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $13,750 |
| Middle income | $13,750 |
| High income | $13,245 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $13,586 |
| Continuing-generation students | $13,692 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $16,299 |
Federal data publishes the following gap measures for ASU - Skysong.
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.
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.