by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Ross Medical Education Center - Brighton— 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.
At Ross - Brighton, 44% of incoming undergraduates borrow in year one, at roughly $9,220 per student, private and federal loans combined.
The average federally funded loan is $6,661. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Ross - Brighton, freshmen included, 47% finance part of their studies with federal loans, for a typical $6,627 a year. It comes to 0.5% lower than the freshman federal average of $6,661.
Borrowing at that rate every year works out to about $13,254 in two years and roughly $26,508 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 47% |
| Average federal loan per year | $6,627 |
| Undergraduates with a federal loan | 30 |
| Total federal loans (one year) | $198,802 |
Graduating and withdrawing students at Ross - Brighton carry a median federal debt of $7,719 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,719 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $3,969 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Ross - Brighton.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,596 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Ross - Brighton.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Ross - Brighton.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 125 | $6,961 |
| Completed (graduates) | 94 | $7,534 |
| Did not complete | 31 | $6,000 |
On a standard 10-year plan, the median completing borrower would pay about $89.59/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Ross - Brighton.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 95 | $7,834 |
| No Stafford loan this year | 30 | $4,424 |
These figures turn the debt totals into a monthly repayment picture for Ross - Brighton.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Ross - Brighton appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.4% |
| Borrowers in the cohort | 1213 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $8,609 |
| Middle income | $7,000 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,750 |
| Continuing-generation students | $7,221 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Ross - Brighton.
Subsidized vs. 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.