by our College Data Analytics TeamHere you will find what students actually borrow to attend DLP Conemaugh Memorial Medical Center, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Memorial Medical Center, 58% of first-year students take on loan debt, with a typical loan of $5,871 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $5,266, equal to roughly 95.7% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at Memorial Medical Center (freshmen included), 47% finance part of their studies with federal loans, for a typical $6,606 per year. That is 25.4% larger than the $5,266 borrowed by freshmen.
At a steady annual pace, that totals around $13,212 in two years and roughly $26,424 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 | 47% |
| Average federal loan per year | $6,606 |
| Undergraduates with a federal loan | 71 |
| Total federal loans (one year) | $469,007 |
Graduating and withdrawing students at Memorial Medical Center carry a median federal debt of $12,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $12,000 |
| Students who withdrew | $5,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Memorial Medical Center.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $10,500 |
| 75th percentile | $20,000 |
| 90th percentile (highest-debt students) | $20,000 |
How wide this percentile range is tells you how much borrowing varies across students at Memorial Medical Center.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Memorial Medical Center.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 45 | $12,901 |
These figures turn the debt totals into a monthly repayment picture for Memorial Medical Center.
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 Memorial Medical Center follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.4% |
| Borrowers in the cohort | 89 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $12,000 |
| Middle income | $12,000 |
| High income | $12,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $12,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $19,999 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Memorial Medical Center.
The Difference Between Subsidized and 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.
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.