by our College Data Analytics TeamThis page focuses on the debt students take on to attend Atlantis University: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Atlantis University specifically, 57% of incoming undergraduates borrow in year one, borrowing on average $5,500 per student, private and federal loans combined.
The typical federal loan comes to $5,500, amounting to 100.0% of the typical first-year dependent student borrowing cap of $5,500. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at Atlantis University, 26% rely on federal student loans toward their education, averaging $6,000 annually. It comes to 9.1% more than the first-year federal average of $5,500.
Repeating that yearly amount projects to about $12,000 across two years and $24,000 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 26% |
| Average federal loan per year | $6,000 |
| Undergraduates with a federal loan | 81 |
| Total federal loans (one year) | $486,000 |
Graduating and withdrawing students at Atlantis University carry a median federal debt of $15,900 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,900 |
| Students who completed (graduates) | $25,870 |
| Students who withdrew | $4,450 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
These figures turn the debt totals into a monthly repayment picture for Atlantis University.
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 | $14,640 |
Federal data publishes the following gap measures for Atlantis University.
Subsidized vs. 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?
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.