by our College Data Analytics TeamBelow is federal data on the loans students use to pay for 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 New York specifically, 12% of first-year students take on loan debt, borrowing on average $4,457 per borrower, covering both private and federal loans.
The typical federal loan comes to $4,457, representing 81.0% of the $5,500 cap on first-year federal borrowing for the typical dependent student. 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 Pacific College New York (freshmen included), 41% borrow through federal student loan programs, at an average of $2,039 annually. It comes to 54.3% below the $4,457 freshmen take on.
Borrowing the same amount each year would add up to roughly $4,078 after two years and $8,156 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 41% |
| Average federal loan per year | $2,039 |
| Undergraduates with a federal loan | 112 |
| Total federal loans (one year) | $228,413 |
Graduating and withdrawing students at Pacific College New York carry a median federal debt of $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 New York.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at Pacific College New York.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Pacific College New York.
| 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.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Pacific College New York.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 132 | — |
| No Stafford loan this year | 18 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Pacific College New York.
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 Pacific College New York is shown 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 |
By First-Generation Status
| 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 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Pacific College New York.
Subsidized vs. 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.
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.