by our College Data Analytics TeamHere you will find what students actually borrow to attend Aspen University: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
Among all degree-seeking undergrads at Aspen University, 10% finance part of their studies with federal loans, averaging $10,298 each per year.
Repeating that yearly amount projects to about $20,596 in two years and roughly $41,192 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 10% |
| Average federal loan per year | $10,298 |
| Undergraduates with a federal loan | 242 |
| Total federal loans (one year) | $2,492,043 |
The middle borrower at Aspen University owes $7,802 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,802 |
| Students who completed (graduates) | $15,756 |
| Students who withdrew | $6,250 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Aspen University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,932 |
| 25th percentile | $3,474 |
| 75th percentile | $12,500 |
| 90th percentile (highest-debt students) | $21,283 |
How wide this percentile range is tells you how much borrowing varies across students at Aspen University.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Aspen University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 414 | $8,221 |
| Completed (graduates) | 116 | $8,343 |
| Did not complete | 298 | $8,221 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $99.21/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 Aspen University.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 240 | $7,582 |
| No Stafford loan this year | 174 | $9,733 |
These figures turn the debt totals into a monthly repayment picture for Aspen University.
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 Aspen University follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 26 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,752 |
| Middle income | $7,532 |
| High income | $8,443 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,751 |
| Continuing-generation students | $8,113 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,185 |
Federal data publishes the following gap measures for Aspen University.
The Difference Between 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.
Did You Know?
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.