by our College Data Analytics TeamHere you will find what students actually borrow to attend Colorado Academy of Veterinary Technology— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
For incoming students at Colorado Academy of Veterinary Technology, 50% of incoming students take out a loan to help cover first-year costs, borrowing on average $1,815 per borrower, covering both private and federal loans.
On the federal side, the average loan is $1,815, amounting to 33.0% of the $5,500 cap on first-year federal borrowing for the 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.
Across the full undergraduate body at Colorado Academy of Veterinary Technology (freshmen included), 60% rely on federal student loans toward their education, with a mean of $3,158 in federal loans per year. It comes to 74.0% larger than the $1,815 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $6,316 over two years and about $12,632 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 60% |
| Average federal loan per year | $3,158 |
| Undergraduates with a federal loan | 15 |
| Total federal loans (one year) | $47,364 |
The middle borrower at Colorado Academy of Veterinary Technology owes $19,704 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $19,704 |
| Students who completed (graduates) | $22,187 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Colorado Academy of Veterinary Technology.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $3,666 |
| 75th percentile | $21,492 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Colorado Academy of Veterinary Technology.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Colorado Academy of Veterinary Technology appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 1 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $19,907 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $19,907 |
| Continuing-generation students | $18,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $18,208 |
| Independent students | $22,893 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Colorado Academy of Veterinary Technology.
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.
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.