by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Brookline College-Phoenix: 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.
For incoming students at Brookline College - Phoenix, 56% of incoming students take out a loan to help cover first-year costs, borrowing on average $6,391 each — a figure that counts both private and federal student loans.
Federal loans alone average $5,774. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at Brookline College - Phoenix, 40% borrow through federal student loan programs, for a typical $8,483 per year. That is 46.9% higher than the freshman federal average of $5,774.
Borrowing the same amount each year would add up to roughly $16,966 by year two and around $33,932 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 | 40% |
| Average federal loan per year | $8,483 |
| Undergraduates with a federal loan | 432 |
| Total federal loans (one year) | $3,664,687 |
The median student at Brookline College - Phoenix borrows $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 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Brookline College - Phoenix.
| 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 spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Brookline College - Phoenix.
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 Brookline College - Phoenix.
| 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 - Phoenix.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 482 | — |
| No Stafford loan | 16 | — |
Stafford This Year vs Not
| 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 - Phoenix.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Brookline College - Phoenix 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.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,491 |
| Middle income | $9,500 |
| High income | $11,758 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,497 |
| Continuing-generation students | $11,611 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,124 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Brookline College - Phoenix.
Subsidized and 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
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.