by our College Data Analytics TeamThis page focuses on the debt students take on to attend Pima Medical Institute-Tucson: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At PMI Tucson, 80% of incoming students take out a loan to help cover first-year costs, borrowing on average $9,914 per borrower, covering both private and federal loans.
On the federal side, the average loan is $8,608. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at PMI Tucson, 60% rely on federal student loans toward their education, borrowing on average $9,536 each per year. That is 10.8% more than the $8,608 freshmen take on.
At a steady annual pace, that totals around $19,072 over two years and about $38,144 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 60% |
| Average federal loan per year | $9,536 |
| Undergraduates with a federal loan | 2,345 |
| Total federal loans (one year) | $22,361,552 |
Graduating and withdrawing students at PMI Tucson carry a median federal debt of $9,500 in federal student loans.
| 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Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Tucson.
| 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 Tucson.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for PMI Tucson.
| 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 Tucson.
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 |
The indicators below describe what the typical debt costs to pay back at PMI Tucson.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for PMI Tucson follows.
| 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.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $9,500 |
First-Gen vs Continuing-Gen Borrowing
| 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 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at PMI Tucson.
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.
Worth Knowing
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.