by our College Data Analytics TeamHere you will find what students actually borrow to attend Chamberlain University-Arizona— 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.
Among first-year students at Chamberlain - Arizona, 67% of incoming students take out a loan to help cover first-year costs, averaging $9,500 per borrower, covering both private and federal loans.
The average federal loan is $9,500. That sits at or beyond the $5,500 first-year federal limit 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.
Counting every undergraduate at Chamberlain - Arizona, 78% rely on federal student loans toward their education, at an average of $9,830 each per year. That is 3.5% higher than the $9,500 typical freshmen borrow.
Repeating that yearly amount projects to about $19,660 over two years and about $39,320 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 78% |
| Average federal loan per year | $9,830 |
| Undergraduates with a federal loan | 581 |
| Total federal loans (one year) | $5,711,295 |
The middle borrower at Chamberlain - Arizona owes $16,458 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,458 |
| Students who completed (graduates) | $20,919 |
| Students who withdrew | $10,922 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Chamberlain - Arizona.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,288 |
| 25th percentile | $10,169 |
| 75th percentile | $27,500 |
| 90th percentile (highest-debt students) | $40,125 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Chamberlain - Arizona.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Chamberlain - Arizona.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 5298 | $12,000 |
| Completed (graduates) | 2719 | $12,704 |
| Did not complete | 2579 | $11,443 |
On a standard 10-year plan, the median completing borrower would pay about $151.06/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Chamberlain - Arizona.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 5272 | $12,000 |
| No Stafford loan | 26 | $7,000 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 4152 | $12,069 |
| No Stafford loan this year | 1146 | $11,841 |
These figures turn the debt totals into a monthly repayment picture for Chamberlain - Arizona.
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 Chamberlain - Arizona follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.9% |
| Borrowers in the cohort | 3327 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $16,577 |
| Middle income | $15,795 |
| High income | $17,250 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,405 |
| Continuing-generation students | $16,594 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,500 |
| Independent students | $16,125 |
Federal data publishes the following gap measures for Chamberlain - Arizona.
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.
Did You Know?
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.