by our College Data Analytics TeamHere you will find what students actually borrow to attend Avi Career Training, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Avi Career Training, 100% of new students use loans toward freshman-year expenses, for an average of $6,267 per borrower, covering both private and federal loans.
The typical federal loan comes to $6,267. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Avi Career Training, 75% use federal student loans to help pay for their education, averaging $5,956 each per year. This works out to 5.0% below the first-year federal average of $6,267.
Carrying that yearly figure forward comes to roughly $11,912 after two years and $23,824 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 75% |
| Average federal loan per year | $5,956 |
| Undergraduates with a federal loan | 75 |
| Total federal loans (one year) | $446,726 |
The middle borrower at Avi Career Training owes $6,333 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,333 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Avi Career Training.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $6,333 |
| 75th percentile | $10,655 |
The indicators below describe what the typical debt costs to pay back at Avi Career Training.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Avi Career Training appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.5% |
| Borrowers in the cohort | 52 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
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.