by our College Data Analytics TeamHere you will find what students actually borrow to attend Pacific Northwest College of Art: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Among first-year students at Pacific Northwest College of Art, 64% of incoming undergraduates borrow in year one, for an average of $7,015 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $5,312, equal to roughly 96.6% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Pacific Northwest College of Art, 52% take out federal student loans, at an average of $6,684 per year. That is 25.8% above the $5,312 freshmen take on.
Carrying that yearly figure forward comes to roughly $13,368 in two years and roughly $26,736 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 52% |
| Average federal loan per year | $6,684 |
| Undergraduates with a federal loan | 215 |
| Total federal loans (one year) | $1,437,038 |
The median student at Pacific Northwest College of Art borrows $10,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,500 |
| Students who completed (graduates) | $25,000 |
| Students who withdrew | $6,800 |
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 Pacific Northwest College of Art.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,500 |
| 25th percentile | $5,500 |
| 75th percentile | $30,000 |
| 90th percentile (highest-debt students) | $38,358 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Pacific Northwest College of Art.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Pacific Northwest College of Art.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 138 | $33,024 |
| Completed (graduates) | 55 | $33,032 |
| Did not complete | 83 | $33,016 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $392.79/mo.
These figures turn the debt totals into a monthly repayment picture for Pacific Northwest College of Art.
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 Pacific Northwest College of Art appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.2% |
| Borrowers in the cohort | 193 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $15,103 |
| Middle income | $9,011 |
| High income | $8,750 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,375 |
| Continuing-generation students | $10,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,750 |
| Independent students | $18,235 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Pacific Northwest College of Art.
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.
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.