by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Aviation Institute of Maintenance - Orlando: 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.
At Aviation Institute of Maintenance - Orlando, 81% of incoming undergraduates borrow in year one, borrowing on average $6,935 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $6,935. This is at or above the $5,500 first-year federal borrowing cap that applies to 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.
Looking at all undergraduates at Aviation Institute of Maintenance - Orlando, freshmen included, 28% use federal student loans to help pay for their education, averaging $7,171 each per year. That is 3.4% higher than the freshman federal average of $6,935.
Borrowing at that rate every year works out to about $14,342 across two years and $28,684 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 28% |
| Average federal loan per year | $7,171 |
| Undergraduates with a federal loan | 82 |
| Total federal loans (one year) | $588,000 |
The median student at Aviation Institute of Maintenance - Orlando borrows $24,250 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $24,250 |
| Students who completed (graduates) | $31,301 |
| Students who withdrew | $8,750 |
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 - Orlando.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $6,321 |
| 75th percentile | $20,000 |
| 90th percentile (highest-debt students) | $21,313 |
How wide this percentile range is tells you how much borrowing varies across students at Aviation Institute of Maintenance - Orlando.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Aviation Institute of Maintenance - Orlando.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 113 | $12,053 |
| Completed (graduates) | 90 | $13,761 |
| Did not complete | 23 | $5,251 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $163.63/mo.
These figures turn the debt totals into a monthly repayment picture for Aviation Institute of Maintenance - Orlando.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Aviation Institute of Maintenance - Orlando follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 25.9% |
| Borrowers in the cohort | 54 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $28,498 |
| Middle income | $19,540 |
| High income | $19,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $24,731 |
| Continuing-generation students | $22,981 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,500 |
| Independent students | $32,500 |
Federal data publishes the following gap measures for Aviation Institute of Maintenance - Orlando.
Subsidized vs. Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
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.