by our College Data Analytics TeamThis page focuses on the debt students take on to attend Avenue Five Institute - South Austin Campus, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For incoming students at Avenue Five Institute - South Austin Campus, 79% of new students use loans toward freshman-year expenses, with a typical loan of $5,670 each, across private and federal loan sources.
Federal loans alone average $5,670. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at Avenue Five Institute - South Austin Campus, 66% take out federal student loans, averaging $5,870 in federal loans per year. This is 3.5% greater than the freshman federal average of $5,670.
Carrying that yearly figure forward comes to roughly $11,740 by year two and around $23,480 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 | 66% |
| Average federal loan per year | $5,870 |
| Undergraduates with a federal loan | 157 |
| Total federal loans (one year) | $921,640 |
The median student at Avenue Five Institute - South Austin Campus borrows $7,917 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,917 |
| Students who completed (graduates) | $7,917 |
| Students who withdrew | $4,490 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Avenue Five Institute - South Austin Campus.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,228 |
| 25th percentile | $4,584 |
| 75th percentile | $7,917 |
| 90th percentile (highest-debt students) | $13,172 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Avenue Five Institute - South Austin Campus.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Avenue Five Institute - South Austin Campus.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 80 | $9,284 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Avenue Five Institute - South Austin Campus.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 70 | — |
| No Stafford loan this year | 10 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Avenue Five Institute - South Austin Campus.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Avenue Five Institute - South Austin Campus follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.7% |
| Borrowers in the cohort | 105 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,917 |
| Middle income | $6,989 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,917 |
| Continuing-generation students | $7,917 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,584 |
| Independent students | $7,917 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Avenue Five Institute - South Austin Campus.
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?
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.