by our College Data Analytics TeamHere you will find what students actually borrow to attend PCI College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at PCI College, 100% of incoming undergraduates borrow in year one, for an average of $4,406 per borrower, covering both private and federal loans.
On the federal side, the average loan is $4,406, representing 80.1% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at PCI College, freshmen included, 79% rely on federal student loans toward their education, for a typical $4,749 annually. That is 7.8% more than the $4,406 borrowed by freshmen.
Borrowing at that rate every year works out to about $9,498 in two years and roughly $18,996 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 | 79% |
| Average federal loan per year | $4,749 |
| Undergraduates with a federal loan | 178 |
| Total federal loans (one year) | $845,400 |
Graduating and withdrawing students at PCI College carry a median federal debt of $15,272 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,272 |
| Students who completed (graduates) | $17,542 |
| Students who withdrew | $6,621 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at PCI College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,584 |
| 25th percentile | $8,649 |
| 75th percentile | $20,000 |
| 90th percentile (highest-debt students) | $22,615 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at PCI College.
Repayment burden translates the debt figures into what a borrower actually pays each month. PCI College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for PCI College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.5% |
| Borrowers in the cohort | 104 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $15,434 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,453 |
| Independent students | $17,042 |
The Difference Between Subsidized and 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?
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.