by our College Data Analytics TeamThis page focuses on the debt students take on to attend Palo Alto University: 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.
Across the full undergraduate body at Pacific Graduate School of Psychology (freshmen included), 60% borrow through federal student loan programs, averaging $10,798 a year.
At a steady annual pace, that totals around $21,596 after two years and $43,192 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 60% |
| Average federal loan per year | $10,798 |
| Undergraduates with a federal loan | 9 |
| Total federal loans (one year) | $97,183 |
The middle borrower at Pacific Graduate School of Psychology owes $15,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,000 |
| Students who completed (graduates) | $20,500 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Pacific Graduate School of Psychology.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $12,357 |
| 75th percentile | $25,000 |
| 90th percentile (highest-debt students) | $25,000 |
How wide this percentile range is tells you how much borrowing varies across students at Pacific Graduate School of Psychology.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Pacific Graduate School of Psychology.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 55 | $25,518 |
| Completed (graduates) | 36 | $26,579 |
| Did not complete | 19 | $25,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $316.05/mo.
The indicators below describe what the typical debt costs to pay back at Pacific Graduate School of Psychology.
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 Pacific Graduate School of Psychology is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.1% |
| Borrowers in the cohort | 77 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $23,656 |
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.
Did You Know?
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.