by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Pima Medical Institute-Chula Vista: 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.
Looking at the entering class at PMI Chula Vista, 85% of freshmen borrow to help pay for their first year, averaging $9,119 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $8,816. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at PMI Chula Vista, 56% finance part of their studies with federal loans, averaging $8,892 in federal loans per year. That amounts to 0.9% larger than the $8,816 freshmen take on.
Repeating that yearly amount projects to about $17,784 by year two and around $35,568 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 | 56% |
| Average federal loan per year | $8,892 |
| Undergraduates with a federal loan | 593 |
| Total federal loans (one year) | $5,273,106 |
The median student at PMI Chula Vista borrows $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,750 |
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 PMI Chula Vista.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,166 |
| 25th percentile | $5,498 |
| 75th percentile | $12,673 |
| 90th percentile (highest-debt students) | $27,032 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at PMI Chula Vista.
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 PMI Chula Vista.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 2207 | $6,401 |
| Completed (graduates) | 1732 | $7,489 |
| Did not complete | 475 | $4,044 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $89.05/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 PMI Chula Vista.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 2142 | $6,580 |
| No Stafford loan | 65 | $2,682 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 2007 | $6,432 |
| No Stafford loan this year | 200 | $5,691 |
Repayment burden translates the debt figures into what a borrower actually pays each month. PMI Chula Vista.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for PMI Chula Vista is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.2% |
| Borrowers in the cohort | 6568 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $9,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,499 |
| Continuing-generation students | $9,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at PMI Chula Vista.
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.
Worth Knowing
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.