by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Philadelphia College of Osteopathic Medicine: 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.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Philadelphia College of Osteopathic Medicine.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,000 |
| 25th percentile | $5,000 |
| 75th percentile | $10,250 |
| 90th percentile (highest-debt students) | $12,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Philadelphia College of Osteopathic Medicine.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Philadelphia College of Osteopathic Medicine.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 339 | $21,278 |
| Completed (graduates) | 288 | $22,500 |
| Did not complete | 51 | $15,200 |
On a standard 10-year plan, the median completing borrower would pay about $267.55/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 Philadelphia College of Osteopathic Medicine.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 318 | $21,519 |
| No Stafford loan this year | 21 | $19,064 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Philadelphia College of Osteopathic Medicine.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Philadelphia College of Osteopathic Medicine appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.8% |
| Borrowers in the cohort | 638 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Subsidized and 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.