by our College Data Analytics TeamThis page focuses on the debt students take on to attend Upstate Medical University— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Looking at all undergraduates at SUNY Upstate Medical University, freshmen included, 56% rely on federal student loans toward their education, averaging $9,383 per year.
Borrowing the same amount each year would add up to roughly $18,766 after two years and $37,532 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 56% |
| Average federal loan per year | $9,383 |
| Undergraduates with a federal loan | 66 |
| Total federal loans (one year) | $619,307 |
The median student at SUNY Upstate Medical University borrows $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 | $12,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for SUNY Upstate Medical University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,400 |
| 25th percentile | $9,600 |
| 75th percentile | $25,539 |
| 90th percentile (highest-debt students) | $31,900 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at SUNY Upstate Medical University.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for SUNY Upstate Medical University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 177 | $20,000 |
| Completed (graduates) | 118 | $22,250 |
| Did not complete | 59 | $17,222 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $264.58/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 SUNY Upstate Medical University.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 130 | $21,112 |
| No Stafford loan this year | 47 | $17,306 |
These figures turn the debt totals into a monthly repayment picture for SUNY Upstate Medical University.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for SUNY Upstate Medical University is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0.3% |
| Borrowers in the cohort | 297 |
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 | $17,516 |
| Middle income | $13,072 |
| High income | $15,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,000 |
| Continuing-generation students | $13,250 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $13,000 |
| Independent students | $19,656 |
Federal data publishes the following gap measures for SUNY Upstate Medical University.
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?
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.