by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Baptist Health System School of Health Professions: 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.
Among all degree-seeking undergrads at Baptist Health System School of Health Professions, 76% finance part of their studies with federal loans, for a typical $8,998 each per year.
Repeating that yearly amount projects to about $17,996 in two years and roughly $35,992 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 | 76% |
| Average federal loan per year | $8,998 |
| Undergraduates with a federal loan | 397 |
| Total federal loans (one year) | $3,572,189 |
The middle borrower at Baptist Health System School of Health Professions owes $14,342 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,342 |
| Students who completed (graduates) | $18,592 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Baptist Health System School of Health Professions.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $11,502 |
| 75th percentile | $20,062 |
| 90th percentile (highest-debt students) | $25,154 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Baptist Health System School of Health Professions.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Baptist Health System School of Health Professions.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 100 | $9,758 |
| Completed (graduates) | 69 | $8,500 |
| Did not complete | 31 | $11,029 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $101.07/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 Baptist Health System School of Health Professions.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 89 | — |
| No Stafford loan this year | 11 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Baptist Health System School of Health Professions.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Baptist Health System School of Health Professions is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.6% |
| Borrowers in the cohort | 256 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $14,979 |
| Middle income | $14,342 |
| High income | $12,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,342 |
| Continuing-generation students | $14,342 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $17,124 |
Federal data publishes the following gap measures for Baptist Health System School of Health Professions.
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.
Important to Remember
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.