by our College Data Analytics TeamThis page focuses on the debt students take on to attend New York Automotive and Diesel Institute— 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.
Looking at the entering class at New York Automotive and Diesel Institute, 86% of first-year students take on loan debt, at roughly $11,100 per borrower, covering both private and federal loans.
The average federal loan is $11,100. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at New York Automotive and Diesel Institute, 65% borrow through federal student loan programs, with a mean of $8,693 in federal loans per year. That is 21.7% lower than the $11,100 typical freshmen borrow.
At a steady annual pace, that totals around $17,386 by year two and around $34,772 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 65% |
| Average federal loan per year | $8,693 |
| Undergraduates with a federal loan | 424 |
| Total federal loans (one year) | $3,686,008 |
The median student at New York Automotive and Diesel Institute borrows $14,250 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,250 |
| Students who completed (graduates) | $16,064 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for New York Automotive and Diesel Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $5,497 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at New York Automotive and Diesel Institute.
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 New York Automotive and Diesel Institute.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 106 | $9,174 |
| Completed (graduates) | 82 | $10,091 |
| Did not complete | 24 | $6,579 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $119.99/mo.
The indicators below describe what the typical debt costs to pay back at New York Automotive and Diesel Institute.
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 New York Automotive and Diesel Institute follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 18.5% |
| Borrowers in the cohort | 275 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $14,750 |
| Middle income | $12,000 |
| High income | $12,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,433 |
| Continuing-generation students | $12,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $17,703 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at New York Automotive and Diesel Institute.
Subsidized vs. 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.
Worth Knowing
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.