by our College Data Analytics TeamHere you will find what students actually borrow to attend Pima Medical Institute-Houston— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
At PMI Houston, 78% of incoming undergraduates borrow in year one, borrowing on average $8,162 each — a figure that counts both private and federal student loans.
The average federal loan is $8,134. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at PMI Houston (freshmen included), 58% use federal student loans to help pay for their education, averaging $9,382 annually. This works out to 15.3% higher than the freshman federal average of $8,134.
Carrying that yearly figure forward comes to roughly $18,764 by year two and around $37,528 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 58% |
| Average federal loan per year | $9,382 |
| Undergraduates with a federal loan | 1,036 |
| Total federal loans (one year) | $9,720,064 |
Graduating and withdrawing students at PMI Houston carry a median federal debt of $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 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for PMI Houston.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at PMI Houston.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at PMI Houston.
| 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.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at PMI Houston.
Borrowers With Any Stafford Loan
| 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 |
Repayment burden translates the debt figures into what a borrower actually pays each month. PMI Houston.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for PMI Houston 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.
Borrowing varies by family income, by first-generation status, and by dependency status.
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 |
Dependent vs Independent Borrowers
| 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 Houston.
The Difference Between 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.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.