by our College Data Analytics TeamThis page focuses on the debt students take on to attend MGH Institute of Health Professions: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Among all degree-seeking undergrads at MGH Institute of Health Professions, 64% take out federal student loans, with a mean of $12,849 a year.
Borrowing the same amount each year would add up to roughly $25,698 after two years and $51,396 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 64% |
| Average federal loan per year | $12,849 |
| Undergraduates with a federal loan | 72 |
| Total federal loans (one year) | $925,129 |
The middle borrower at MGH Institute of Health Professions owes $24,700 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $24,700 |
| Students who completed (graduates) | $24,961 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at MGH Institute of Health Professions.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $6,250 |
| 25th percentile | $14,937 |
| 75th percentile | $25,000 |
| 90th percentile (highest-debt students) | $25,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at MGH Institute of Health Professions.
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 MGH Institute of Health Professions.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 292 | $26,180 |
| Completed (graduates) | 141 | $27,310 |
| Did not complete | 151 | $25,000 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $324.74/mo.
Federal data lets us separate Stafford borrowers from the rest at MGH Institute of Health Professions.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 161 | $26,089 |
| No Stafford loan this year | 131 | $27,592 |
Repayment burden translates the debt figures into what a borrower actually pays each month. MGH Institute of Health Professions.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for MGH Institute of Health Professions is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0.3% |
| Borrowers in the cohort | 257 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $25,000 |
| Middle income | $25,000 |
| High income | $15,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $24,975 |
| Continuing-generation students | $23,990 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,000 |
| Independent students | $25,000 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at MGH Institute of Health Professions.
The Difference Between Subsidized and 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.
Important to Remember
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.