by our College Data Analytics TeamThis page focuses on the debt students take on to attend Pima Medical Institute-Aurora: 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.
At PMI Aurora, 80% of new students use loans toward freshman-year expenses, at roughly $7,522 per borrower, covering both private and federal loans.
The average federal loan is $7,700. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at PMI Aurora, 55% finance part of their studies with federal loans, with a mean of $7,380 per year. This is 4.2% smaller than the freshman federal average of $7,700.
Borrowing the same amount each year would add up to roughly $14,760 across two years and $29,520 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 55% |
| Average federal loan per year | $7,380 |
| Undergraduates with a federal loan | 269 |
| Total federal loans (one year) | $1,985,323 |
The middle borrower at PMI Aurora owes $5,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $8,521 |
| Students who withdrew | $3,363 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for PMI Aurora.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,537 |
| 25th percentile | $4,889 |
| 75th percentile | $9,499 |
| 90th percentile (highest-debt students) | $10,525 |
How wide this percentile range is tells you how much borrowing varies across students at PMI Aurora.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for PMI Aurora.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 307 | $6,187 |
| Completed (graduates) | 258 | $6,946 |
| Did not complete | 49 | $3,725 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $82.6/mo.
Federal data lets us separate Stafford borrowers from the rest at PMI Aurora.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 286 | $6,259 |
| No Stafford loan this year | 21 | $5,475 |
The indicators below describe what the typical debt costs to pay back at PMI Aurora.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $8,001 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,107 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at PMI Aurora.
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.
Important to Remember
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.