by our College Data Analytics TeamHere you will find what students actually borrow to attend Aviation Institute of Maintenance - Houston, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Aviation Institute of Maintenance - Houston, 74% of first-year students take on loan debt, with a typical loan of $7,156 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $6,860. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at Aviation Institute of Maintenance - Houston, 21% take out federal student loans, averaging $7,800 annually. This works out to 13.7% larger than the $6,860 borrowed by freshmen.
At a steady annual pace, that totals around $15,600 by year two and around $31,200 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 21% |
| Average federal loan per year | $7,800 |
| Undergraduates with a federal loan | 60 |
| Total federal loans (one year) | $468,000 |
Graduating and withdrawing students at Aviation Institute of Maintenance - Houston carry a median federal debt of $21,413 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $21,413 |
| Students who completed (graduates) | $31,875 |
| Students who withdrew | $8,250 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Aviation Institute of Maintenance - Houston.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $8,750 |
| 75th percentile | $20,000 |
| 90th percentile (highest-debt students) | $20,000 |
How wide this percentile range is tells you how much borrowing varies across students at Aviation Institute of Maintenance - Houston.
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 - Houston.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 52 | $10,674 |
| Completed (graduates) | 33 | $12,653 |
| Did not complete | 19 | $7,483 |
On a standard 10-year plan, the median completing borrower would pay about $150.46/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. Aviation Institute of Maintenance - Houston.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Aviation Institute of Maintenance - Houston is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 3 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $23,200 |
| Middle income | $23,500 |
| High income | $19,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $20,000 |
| Continuing-generation students | $27,183 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,500 |
| Independent students | $31,755 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Aviation Institute of Maintenance - Houston.
Subsidized and 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.
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.