by our College Data Analytics TeamBelow is federal data on the loans students use to pay for PCI Academy-Plymouth— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
At PCI Academy-Plymouth specifically, 80% of first-year students take on loan debt, at roughly $4,524 per borrower, covering both private and federal loans.
The average federally funded loan is $4,516, representing 82.1% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at PCI Academy-Plymouth, 68% finance part of their studies with federal loans, borrowing on average $4,443 per year. This works out to 1.6% lower than the $4,516 freshmen take on.
Borrowing at that rate every year works out to about $8,886 over two years and about $17,772 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 68% |
| Average federal loan per year | $4,443 |
| Undergraduates with a federal loan | 137 |
| Total federal loans (one year) | $608,662 |
The median student at PCI Academy-Plymouth borrows $4,858 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,858 |
| Students who completed (graduates) | $5,828 |
| Students who withdrew | $2,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for PCI Academy-Plymouth.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,333 |
| 25th percentile | $3,666 |
| 75th percentile | $12,677 |
| 90th percentile (highest-debt students) | $17,083 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at PCI Academy-Plymouth.
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 PCI Academy-Plymouth.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 86 | $8,360 |
These figures turn the debt totals into a monthly repayment picture for PCI Academy-Plymouth.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for PCI Academy-Plymouth is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.6% |
| Borrowers in the cohort | 163 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $5,277 |
| Middle income | $5,504 |
| High income | $3,666 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $4,789 |
| Continuing-generation students | $5,277 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,666 |
| Independent students | $6,211 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at PCI Academy-Plymouth.
Subsidized vs. Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Did You Know?
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.