by our College Data Analytics TeamThis page focuses on the debt students take on to attend Spartan College of Aeronautics and Technology, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Spartan College - Denver, 33% of freshmen borrow to help pay for their first year, at roughly $11,990 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $11,011. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at Spartan College - Denver, 12% use federal student loans to help pay for their education, at an average of $9,511 a year. This is 13.6% less than the $11,011 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $19,022 over two years and about $38,044 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 | 12% |
| Average federal loan per year | $9,511 |
| Undergraduates with a federal loan | 40 |
| Total federal loans (one year) | $380,455 |
Graduating and withdrawing students at Spartan College - Denver carry a median federal debt of $14,750 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,750 |
| Students who completed (graduates) | $19,188 |
| Students who withdrew | $6,334 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Spartan College - Denver.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $9,500 |
| 75th percentile | $23,125 |
| 90th percentile (highest-debt students) | $26,250 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Spartan College - Denver.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Spartan College - Denver.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 74 | $17,337 |
The indicators below describe what the typical debt costs to pay back at Spartan College - Denver.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Spartan College - Denver appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.3% |
| Borrowers in the cohort | 441 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $16,580 |
| Middle income | $15,000 |
| High income | $13,168 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,052 |
| Continuing-generation students | $13,957 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $13,957 |
| Independent students | $18,351 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Spartan College - Denver.
Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
Important to Remember
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.