by our College Data Analytics TeamBelow is federal data on the loans students use to pay for ATI College-Whittier, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For incoming students at ATI College - Norwalk, 57% of first-year students take on loan debt, borrowing on average $5,954 each, across private and federal loan sources.
On the federal side, the average loan is $5,954. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at ATI College - Norwalk, 74% rely on federal student loans toward their education, averaging $6,187 in federal loans per year. That is 3.9% greater than the $5,954 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $12,374 after two years and $24,748 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 74% |
| Average federal loan per year | $6,187 |
| Undergraduates with a federal loan | 147 |
| Total federal loans (one year) | $909,554 |
Graduating and withdrawing students at ATI College - Norwalk carry a median federal debt of $11,853 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,853 |
| Students who completed (graduates) | $28,428 |
| Students who withdrew | $5,705 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for ATI College - Norwalk.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $11,458 |
| 75th percentile | $18,462 |
The indicators below describe what the typical debt costs to pay back at ATI College - Norwalk.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for ATI College - Norwalk is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.3% |
| Borrowers in the cohort | 159 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Subsidized vs. 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
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.