by our College Data Analytics TeamHere you will find what students actually borrow to attend Medical Training College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Medical Training College, 77% of first-year students take on loan debt, at roughly $3,897 each — a figure that counts both private and federal student loans.
The average federally funded loan is $3,897, or about 70.9% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Across the full undergraduate body at Medical Training College (freshmen included), 63% use federal student loans to help pay for their education, averaging $4,059 each per year. This is 4.2% above the $3,897 borrowed by freshmen.
Repeating that yearly amount projects to about $8,118 across two years and $16,236 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 63% |
| Average federal loan per year | $4,059 |
| Undergraduates with a federal loan | 178 |
| Total federal loans (one year) | $722,565 |
Graduating and withdrawing students at Medical Training College carry a median federal debt of $5,671 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,671 |
| Students who completed (graduates) | $5,845 |
| Students who withdrew | $2,961 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Medical Training College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,492 |
| 25th percentile | $4,004 |
| 75th percentile | $5,500 |
| 90th percentile (highest-debt students) | $7,980 |
How wide this percentile range is tells you how much borrowing varies across students at Medical Training College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Medical Training College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 26 | $8,674 |
The indicators below describe what the typical debt costs to pay back at Medical Training College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Medical Training College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.2% |
| Borrowers in the cohort | 266 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $5,843 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,607 |
| Continuing-generation students | $5,843 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $5,892 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Medical Training College.
Subsidized vs. Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
Worth Knowing
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.