by our College Data Analytics TeamHere you will find what students actually borrow to attend Ponce Health Sciences University, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
The median student at PHSU borrows $15,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,500 |
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for PHSU.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 28 | $42,249 |
Repayment burden translates the debt figures into what a borrower actually pays each month. PHSU.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for PHSU follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.6% |
| Borrowers in the cohort | 184 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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.