by our College Data Analytics TeamHere you will find what students actually borrow to attend Pima Medical Institute-San Antonio: 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 San Antonio, 78% of incoming students take out a loan to help cover first-year costs, with a typical loan of $7,864 per borrower, covering both private and federal loans.
The average federally funded loan is $7,595. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at PMI San Antonio, 55% finance part of their studies with federal loans, for a typical $7,785 a year. This works out to 2.5% above the $7,595 typical freshmen borrow.
At a steady annual pace, that totals around $15,570 by year two and around $31,140 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 55% |
| Average federal loan per year | $7,785 |
| Undergraduates with a federal loan | 378 |
| Total federal loans (one year) | $2,942,778 |
Graduating and withdrawing students at PMI San Antonio 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 |
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 San Antonio.
| 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 San Antonio.
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 San Antonio.
| 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 San Antonio.
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 |
Repayment burden translates the debt figures into what a borrower actually pays each month. PMI San Antonio.
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 San Antonio follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.2% |
| Borrowers in the cohort | 6568 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 |
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 |
Federal data publishes the following gap measures for PMI San Antonio.
Subsidized vs. 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.
Worth Knowing
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.