by our College Data Analytics TeamHere you will find what students actually borrow to attend Pima Medical Institute-El Paso, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Among first-year students at PMI El Paso, 91% of incoming undergraduates borrow in year one, borrowing on average $8,276 per student, private and federal loans combined.
The typical federal loan comes to $7,968. 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.
Looking at all undergraduates at PMI El Paso, freshmen included, 62% rely on federal student loans toward their education, averaging $9,101 in federal loans per year. This works out to 14.2% more than the freshman federal average of $7,968.
Borrowing at that rate every year works out to about $18,202 by year two and around $36,404 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 62% |
| Average federal loan per year | $9,101 |
| Undergraduates with a federal loan | 718 |
| Total federal loans (one year) | $6,534,624 |
The median student at PMI El Paso 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 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at PMI El Paso.
| 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 El Paso.
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 El Paso.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 2207 | $6,401 |
| Completed (graduates) | 1732 | $7,489 |
| Did not complete | 475 | $4,044 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $89.05/mo.
Federal data lets us separate Stafford borrowers from the rest at PMI El Paso.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 2142 | $6,580 |
| No Stafford loan | 65 | $2,682 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 2007 | $6,432 |
| No Stafford loan this year | 200 | $5,691 |
These figures turn the debt totals into a monthly repayment picture for PMI El Paso.
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 El Paso appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.2% |
| Borrowers in the cohort | 6568 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $9,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,499 |
| Continuing-generation students | $9,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at PMI El Paso.
Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
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.