by our College Data Analytics TeamThis page focuses on the debt students take on to attend The University of Texas Health Science Center at San Antonio: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
For undergraduates overall at UT Health San Antonio, 52% use federal student loans to help pay for their education, averaging $7,815 in federal loans per year.
Carrying that yearly figure forward comes to roughly $15,630 after two years and $31,260 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 52% |
| Average federal loan per year | $7,815 |
| Undergraduates with a federal loan | 450 |
| Total federal loans (one year) | $3,516,604 |
The middle borrower at UT Health San Antonio owes $15,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,000 |
| Students who completed (graduates) | $15,000 |
| Students who withdrew | $8,954 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at UT Health San Antonio.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $5,500 |
| 75th percentile | $22,000 |
| 90th percentile (highest-debt students) | $26,750 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at UT Health San Antonio.
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 UT Health San Antonio.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 258 | $16,624 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at UT Health San Antonio.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 231 | $16,193 |
| No Stafford loan this year | 27 | $23,500 |
These figures turn the debt totals into a monthly repayment picture for UT Health San Antonio.
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 UT Health San Antonio follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.4% |
| Borrowers in the cohort | 767 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $16,500 |
| Middle income | $14,774 |
| High income | $13,371 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,000 |
| Continuing-generation students | $14,972 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $13,000 |
| Independent students | $18,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at UT Health San Antonio.
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.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.