by our College Data Analytics TeamBelow is federal data on the loans students use to pay for American National University, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At American National University, 76% of incoming undergraduates borrow in year one, for an average of $10,965 per student, private and federal loans combined.
The typical federal loan comes to $10,965. That sits at or beyond the $5,500 first-year federal limit 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 American National University, freshmen included, 72% borrow through federal student loan programs, with a mean of $5,985 a year. That amounts to 45.4% less than the $10,965 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $11,970 in two years and roughly $23,940 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 72% |
| Average federal loan per year | $5,985 |
| Undergraduates with a federal loan | 463 |
| Total federal loans (one year) | $2,770,836 |
The middle borrower at American National University owes $7,567 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,567 |
| Students who completed (graduates) | $12,814 |
| Students who withdrew | $5,375 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for American National University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,000 |
| 25th percentile | $6,000 |
| 75th percentile | $26,882 |
| 90th percentile (highest-debt students) | $37,861 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at American National University.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at American National University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 118 | $6,300 |
| Completed (graduates) | 38 | $6,994 |
| Did not complete | 80 | $6,093 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $83.17/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at American National University.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 101 | — |
| No Stafford loan this year | 17 | — |
These figures turn the debt totals into a monthly repayment picture for American National University.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for American National University follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.9% |
| Borrowers in the cohort | 3622 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,385 |
| Middle income | $8,331 |
| High income | $8,487 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,720 |
| Continuing-generation students | $5,786 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,332 |
| Independent students | $7,755 |
Federal data publishes the following gap measures for American National University.
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.
Important to Remember
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.