by our College Data Analytics TeamThis page focuses on the debt students take on to attend Pacific College of Health and Science: 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.
At Pacific College Chicago specifically, 0% of incoming undergraduates borrow in year one.
Across the full undergraduate body at Pacific College Chicago (freshmen included), 53% use federal student loans to help pay for their education, for a typical $3,488 each per year.
Borrowing at that rate every year works out to about $6,976 over two years and about $13,952 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 53% |
| Average federal loan per year | $3,488 |
| Undergraduates with a federal loan | 10 |
| Total federal loans (one year) | $34,875 |
The middle borrower at Pacific College Chicago owes $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $12,271 |
| Students who withdrew | $6,250 |
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 Pacific College Chicago.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,800 |
| 25th percentile | $6,250 |
| 75th percentile | $20,500 |
| 90th percentile (highest-debt students) | $29,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Pacific College Chicago.
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 Pacific College Chicago.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 150 | $11,839 |
| Completed (graduates) | 106 | $11,634 |
| Did not complete | 44 | $13,347 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $138.34/mo.
Federal data lets us separate Stafford borrowers from the rest at Pacific College Chicago.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 132 | — |
| No Stafford loan this year | 18 | — |
The indicators below describe what the typical debt costs to pay back at Pacific College Chicago.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Pacific College Chicago appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.8% |
| Borrowers in the cohort | 377 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $7,104 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,104 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Pacific College Chicago.
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.
Important to Remember
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.