by our College Data Analytics TeamThis page focuses on the debt students take on to attend Ponce Health Sciences University-East, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Ponce Health Sciences University - East, 19% of incoming students take out a loan to help cover first-year costs, with a typical loan of $4,652 each — a figure that counts both private and federal student loans.
The average federally funded loan is $4,652, or about 84.6% of the typical first-year dependent student borrowing cap of $5,500. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at Ponce Health Sciences University - East, 25% take out federal student loans, averaging $5,337 annually. That is 14.7% larger than the freshman federal average of $4,652.
Borrowing the same amount each year would add up to roughly $10,674 across two years and $21,348 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 25% |
| Average federal loan per year | $5,337 |
| Undergraduates with a federal loan | 16 |
| Total federal loans (one year) | $85,393 |
The middle borrower at Ponce Health Sciences University - East owes $15,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,500 |
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 Ponce Health Sciences University - East.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 28 | $42,249 |
These figures turn the debt totals into a monthly repayment picture for Ponce Health Sciences University - East.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Ponce Health Sciences University - East is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.6% |
| Borrowers in the cohort | 184 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Subsidized vs. 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?
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.