by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Aviation Institute of Maintenance-Atlanta: 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.
Looking at the entering class at Aviation Institute of Maintenance - Atlanta, 91% of freshmen borrow to help pay for their first year, at roughly $7,326 each — a figure that counts both private and federal student loans.
The average federally funded loan is $7,233. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at Aviation Institute of Maintenance - Atlanta, freshmen included, 42% finance part of their studies with federal loans, with a mean of $5,292 in federal loans per year. This is 26.8% below the $7,233 borrowed by freshmen.
At a steady annual pace, that totals around $10,584 after two years and $21,168 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 42% |
| Average federal loan per year | $5,292 |
| Undergraduates with a federal loan | 327 |
| Total federal loans (one year) | $1,730,418 |
The middle borrower at Aviation Institute of Maintenance - Atlanta owes $20,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $20,500 |
| Students who completed (graduates) | $31,500 |
| Students who withdrew | $9,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Aviation Institute of Maintenance - Atlanta.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,448 |
| 25th percentile | $6,103 |
| 75th percentile | $20,000 |
| 90th percentile (highest-debt students) | $26,250 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Aviation Institute of Maintenance - Atlanta.
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 Aviation Institute of Maintenance - Atlanta.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 169 | $12,114 |
| Completed (graduates) | 105 | $13,000 |
| Did not complete | 64 | $10,696 |
On a standard 10-year plan, the median completing borrower would pay about $154.58/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Aviation Institute of Maintenance - Atlanta.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 152 | — |
| No Stafford loan this year | 17 | — |
The indicators below describe what the typical debt costs to pay back at Aviation Institute of Maintenance - Atlanta.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Aviation Institute of Maintenance - Atlanta appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.7% |
| Borrowers in the cohort | 352 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $20,500 |
| Middle income | $20,500 |
| High income | $20,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $20,500 |
| Continuing-generation students | $20,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,500 |
| Independent students | $30,472 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Aviation Institute of Maintenance - Atlanta.
Subsidized vs. Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Important to Remember
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.