by our College Data Analytics TeamThis page focuses on the debt students take on to attend Miami Ad School at Portfolio Center: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Miami Ad School at Portfolio Center, 47% of incoming undergraduates borrow in year one, averaging $2,652 per borrower, covering both private and federal loans.
The average federally funded loan is $2,652, amounting to 48.2% of the typical first-year dependent student borrowing cap of $5,500. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Miami Ad School at Portfolio Center, 51% take out federal student loans, at an average of $3,248 in federal loans per year. This works out to 22.5% larger than the $2,652 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $6,496 by year two and around $12,992 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 51% |
| Average federal loan per year | $3,248 |
| Undergraduates with a federal loan | 38 |
| Total federal loans (one year) | $123,434 |
The middle borrower at Miami Ad School at Portfolio Center owes $16,849 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,849 |
| Students who completed (graduates) | $25,967 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Miami Ad School at Portfolio Center.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $9,293 |
| 75th percentile | $24,250 |
| 90th percentile (highest-debt students) | $26,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Miami Ad School at Portfolio Center.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Miami Ad School at Portfolio Center.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 45 | $32,596 |
These figures turn the debt totals into a monthly repayment picture for Miami Ad School at Portfolio Center.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Miami Ad School at Portfolio Center is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.7% |
| Borrowers in the cohort | 146 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $19,667 |
| Middle income | $19,334 |
| High income | $9,084 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,864 |
| Continuing-generation students | $16,834 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,667 |
| Independent students | $24,200 |
Federal data publishes the following gap measures for Miami Ad School at Portfolio Center.
The Difference Between 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?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.