by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Brookline College-Albuquerque: 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.
Looking at the entering class at Brookline College - Albuquerque, 61% of incoming students take out a loan to help cover first-year costs, at roughly $6,950 each — a figure that counts both private and federal student loans.
The average federal loan is $6,950. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Brookline College - Albuquerque, freshmen included, 51% finance part of their studies with federal loans, borrowing on average $10,760 each per year. This is 54.8% larger than the $6,950 freshmen take on.
Borrowing the same amount each year would add up to roughly $21,520 across two years and $43,040 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 | 51% |
| Average federal loan per year | $10,760 |
| Undergraduates with a federal loan | 367 |
| Total federal loans (one year) | $3,948,873 |
The middle borrower at Brookline College - Albuquerque owes $9,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $6,306 |
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 Brookline College - Albuquerque.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,610 |
| 25th percentile | $5,500 |
| 75th percentile | $15,843 |
| 90th percentile (highest-debt students) | $26,125 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Brookline College - Albuquerque.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Brookline College - Albuquerque.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 498 | $6,000 |
| Completed (graduates) | 349 | $7,028 |
| Did not complete | 149 | $4,652 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $83.57/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Brookline College - Albuquerque.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 482 | — |
| No Stafford loan | 16 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 465 | $6,074 |
| No Stafford loan this year | 33 | $4,381 |
These figures turn the debt totals into a monthly repayment picture for Brookline College - Albuquerque.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Brookline College - Albuquerque appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.0% |
| Borrowers in the cohort | 3469 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,491 |
| Middle income | $9,500 |
| High income | $11,758 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,497 |
| Continuing-generation students | $11,611 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,124 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Brookline College - Albuquerque.
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
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.