by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Roseman University of Health Sciences— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
For undergraduates overall at Roseman University of Health Sciences, 79% rely on federal student loans toward their education, for a typical $12,108 in federal loans per year.
Repeating that yearly amount projects to about $24,216 in two years and roughly $48,432 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 79% |
| Average federal loan per year | $12,108 |
| Undergraduates with a federal loan | 440 |
| Total federal loans (one year) | $5,327,534 |
The median student at Roseman University of Health Sciences borrows $25,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $25,000 |
| Students who completed (graduates) | $25,000 |
| Students who withdrew | $7,741 |
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 Roseman University of Health Sciences.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $11,000 |
| 25th percentile | $17,062 |
| 75th percentile | $25,000 |
| 90th percentile (highest-debt students) | $28,437 |
How wide this percentile range is tells you how much borrowing varies across students at Roseman University of Health Sciences.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Roseman University of Health Sciences.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 184 | $27,198 |
| Completed (graduates) | 161 | $27,248 |
| Did not complete | 23 | $22,152 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $324.01/mo.
The indicators below describe what the typical debt costs to pay back at Roseman University of Health Sciences.
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 Roseman University of Health Sciences appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.6% |
| Borrowers in the cohort | 303 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $25,000 |
| Middle income | $25,000 |
| High income | $15,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $25,000 |
| Continuing-generation students | $25,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,000 |
| Independent students | $25,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Roseman University of Health Sciences.
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
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.