by our College Data Analytics TeamHere you will find what students actually borrow to attend Oregon Health & Science University, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For undergraduates overall at OHSU, 56% take out federal student loans, at an average of $10,029 each per year.
Carrying that yearly figure forward comes to roughly $20,058 in two years and roughly $40,116 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 56% |
| Average federal loan per year | $10,029 |
| Undergraduates with a federal loan | 445 |
| Total federal loans (one year) | $4,463,107 |
The median student at OHSU borrows $16,625 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,625 |
| Students who completed (graduates) | $16,625 |
| Students who withdrew | $8,755 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for OHSU.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,000 |
| 25th percentile | $6,000 |
| 75th percentile | $23,875 |
| 90th percentile (highest-debt students) | $35,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at OHSU.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at OHSU.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 323 | $19,262 |
| Completed (graduates) | 278 | $20,706 |
| Did not complete | 45 | $15,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $246.22/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at OHSU.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 258 | $21,434 |
| No Stafford loan this year | 65 | $15,457 |
The indicators below describe what the typical debt costs to pay back at OHSU.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for OHSU is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0.7% |
| Borrowers in the cohort | 629 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $16,625 |
| Middle income | $16,625 |
| High income | $16,625 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,625 |
| Continuing-generation students | $16,625 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,000 |
| Independent students | $16,625 |
Federal data publishes the following gap measures for OHSU.
Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.