by our College Data Analytics TeamThis page focuses on the debt students take on to attend Boston Architectural College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Boston Architectural College, 50% of freshmen borrow to help pay for their first year, for an average of $10,213 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $5,786. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Boston Architectural College, 52% take out federal student loans, borrowing on average $7,274 a year. This is 25.7% above the $5,786 borrowed by freshmen.
Repeating that yearly amount projects to about $14,548 by year two and around $29,096 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 52% |
| Average federal loan per year | $7,274 |
| Undergraduates with a federal loan | 137 |
| Total federal loans (one year) | $996,510 |
Graduating and withdrawing students at Boston Architectural College carry a median federal debt of $24,750 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $24,750 |
| Students who completed (graduates) | $37,250 |
| Students who withdrew | $14,344 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Boston Architectural College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $17,750 |
| 75th percentile | $47,000 |
| 90th percentile (highest-debt students) | $55,365 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Boston Architectural College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Boston Architectural College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 88 | $28,179 |
| Completed (graduates) | 48 | $30,659 |
| Did not complete | 40 | $26,128 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $364.57/mo.
The indicators below describe what the typical debt costs to pay back at Boston Architectural College.
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 Boston Architectural College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.4% |
| Borrowers in the cohort | 403 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $20,448 |
| Middle income | $32,168 |
| High income | $22,333 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $18,675 |
| Continuing-generation students | $29,507 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $25,249 |
| Independent students | $20,448 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Boston Architectural College.
The Difference Between Subsidized and 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.
Worth Knowing
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.