by our College Data Analytics TeamThis page focuses on the debt students take on to attend ATA College-Cincinnati: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Looking at the entering class at Beckfield College - Tri-County, 100% of incoming undergraduates borrow in year one, at roughly $5,844 each — a figure that counts both private and federal student loans.
The average federally funded loan is $5,844. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Beckfield College - Tri-County, 95% finance part of their studies with federal loans, at an average of $7,108 per year. That is 21.6% above the $5,844 freshmen take on.
Repeating that yearly amount projects to about $14,216 after two years and $28,432 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 95% |
| Average federal loan per year | $7,108 |
| Undergraduates with a federal loan | 252 |
| Total federal loans (one year) | $1,791,311 |
The median student at Beckfield College - Tri-County borrows $15,834 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,834 |
| Students who completed (graduates) | $21,030 |
| Students who withdrew | $9,500 |
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 Beckfield College - Tri-County.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $6,334 |
| 75th percentile | $22,637 |
| 90th percentile (highest-debt students) | $27,713 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Beckfield College - Tri-County.
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 Beckfield College - Tri-County.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 92 | $7,504 |
| Completed (graduates) | 50 | $8,920 |
| Did not complete | 42 | $6,699 |
On a standard 10-year plan, the median completing borrower would pay about $106.07/mo.
The indicators below describe what the typical debt costs to pay back at Beckfield College - Tri-County.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Beckfield College - Tri-County appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.8% |
| Borrowers in the cohort | 796 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $15,667 |
| Middle income | $15,834 |
| High income | $18,074 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,800 |
| Continuing-generation students | $16,334 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $16,792 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Beckfield College - Tri-County.
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.
Worth Knowing
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.