by our College Data Analytics TeamThis page focuses on the debt students take on to attend Los Angeles Pacific University— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Azusa Pacific’s University College, 86% of incoming undergraduates borrow in year one, for an average of $10,294 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $10,294. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Across the full undergraduate body at Azusa Pacific’s University College (freshmen included), 83% rely on federal student loans toward their education, averaging $10,374 in federal loans per year. It comes to 0.8% larger than the $10,294 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $20,748 by year two and around $41,496 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 83% |
| Average federal loan per year | $10,374 |
| Undergraduates with a federal loan | 1,204 |
| Total federal loans (one year) | $12,490,516 |
The middle borrower at Azusa Pacific’s University College owes $10,806 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,806 |
| Students who completed (graduates) | $18,750 |
| 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.
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 Azusa Pacific’s University College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 380 | $11,426 |
| Completed (graduates) | 126 | $11,225 |
| Did not complete | 254 | $11,543 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $133.48/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Azusa Pacific’s University College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 278 | $11,329 |
| No Stafford loan this year | 102 | $11,610 |
These figures turn the debt totals into a monthly repayment picture for Azusa Pacific’s University College.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $10,528 |
| Middle income | $10,500 |
| High income | $12,576 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,922 |
| Continuing-generation students | $10,521 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $12,225 |
Federal data publishes the following gap measures for Azusa Pacific’s University College.
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.
Worth Knowing
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.