by our College Data Analytics TeamThis page focuses on the debt students take on to attend Pivot Point Academy, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Pivot Point Academy, 78% of incoming students take out a loan to help cover first-year costs, with a typical loan of $1,305 each, across private and federal loan sources.
The typical federal loan comes to $151, representing 2.7% 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 Pivot Point Academy, 43% borrow through federal student loan programs, with a mean of $9,366 annually. This works out to 6102.6% larger than the $151 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $18,732 by year two and around $37,464 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 43% |
| Average federal loan per year | $9,366 |
| Undergraduates with a federal loan | 115 |
| Total federal loans (one year) | $1,077,147 |
Graduating and withdrawing students at Pivot Point Academy carry a median federal debt of $9,833 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,833 |
| Students who completed (graduates) | $9,833 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for Pivot Point Academy.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $6,405 |
| 75th percentile | $15,640 |
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Pivot Point Academy.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 43 | $10,420 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Pivot Point Academy.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Pivot Point Academy follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.3% |
| Borrowers in the cohort | 371 |
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 | $9,833 |
| Middle income | $9,833 |
| High income | $9,833 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,833 |
| Continuing-generation students | $9,833 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,833 |
| Independent students | $8,709 |
Federal data publishes the following gap measures for Pivot Point Academy.
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.
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.