by our College Data Analytics TeamThis page focuses on the debt students take on to attend Arlington Career Institute— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Arlington Career Institute, 36% of incoming students take out a loan to help cover first-year costs, at roughly $5,735 per borrower, covering both private and federal loans.
Federal loans alone average $6,291. That sits at or beyond the $5,500 first-year federal limit 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.
Counting every undergraduate at Arlington Career Institute, 38% rely on federal student loans toward their education, at an average of $6,210 per year. This is 1.3% below the $6,291 freshmen take on.
Carrying that yearly figure forward comes to roughly $12,420 by year two and around $24,840 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 38% |
| Average federal loan per year | $6,210 |
| Undergraduates with a federal loan | 242 |
| Total federal loans (one year) | $1,502,820 |
Graduating and withdrawing students at Arlington Career Institute carry a median federal debt of $8,015 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,015 |
| Students who completed (graduates) | $8,347 |
| Students who withdrew | $4,797 |
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 Arlington Career Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,516 |
| 25th percentile | $3,500 |
| 75th percentile | $11,438 |
| 90th percentile (highest-debt students) | $23,983 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Arlington Career Institute.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Arlington Career Institute.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 36 | $6,507 |
These figures turn the debt totals into a monthly repayment picture for Arlington Career Institute.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Arlington Career Institute appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 20.2% |
| Borrowers in the cohort | 237 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $7,514 |
| Middle income | $8,759 |
| High income | $8,233 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,832 |
| Continuing-generation students | $9,372 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,334 |
| Independent students | $8,094 |
Federal data publishes the following gap measures for Arlington Career Institute.
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
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.