by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Aviation Institute of Maintenance - Philadelphia: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Aviation Institute of Maintenance - Philadelphia, 87% of incoming students take out a loan to help cover first-year costs, at roughly $9,291 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $7,451. 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.
Among all degree-seeking undergrads at Aviation Institute of Maintenance - Philadelphia, 23% take out federal student loans, for a typical $7,306 in federal loans per year. That is 1.9% under the $7,451 freshmen take on.
Borrowing the same amount each year would add up to roughly $14,612 in two years and roughly $29,224 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 23% |
| Average federal loan per year | $7,306 |
| Undergraduates with a federal loan | 79 |
| Total federal loans (one year) | $577,192 |
Graduating and withdrawing students at Aviation Institute of Maintenance - Philadelphia carry a median federal debt of $21,875 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $21,875 |
| Students who completed (graduates) | $32,397 |
| Students who withdrew | $9,902 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Aviation Institute of Maintenance - Philadelphia.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 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 - Philadelphia.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Aviation Institute of Maintenance - Philadelphia.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 25 | $7,253 |
The indicators below describe what the typical debt costs to pay back at Aviation Institute of Maintenance - Philadelphia.
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 - Philadelphia follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 20.5% |
| Borrowers in the cohort | 209 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $23,250 |
| Middle income | $19,500 |
| High income | $24,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $22,625 |
| Continuing-generation students | $19,750 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,500 |
| Independent students | $29,686 |
Federal data publishes the following gap measures for Aviation Institute of Maintenance - Philadelphia.
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.
Important to Remember
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.