by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Ross College-Sylvania— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At Ross College-Sylvania, 75% of first-year students take on loan debt, at roughly $7,050 per student, private and federal loans combined.
The typical federal loan comes to $6,186. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at Ross College-Sylvania, 61% borrow through federal student loan programs, for a typical $5,684 in federal loans per year. It comes to 8.1% less than the first-year federal average of $6,186.
Borrowing at that rate every year works out to about $11,368 by year two and around $22,736 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 61% |
| Average federal loan per year | $5,684 |
| Undergraduates with a federal loan | 1,463 |
| Total federal loans (one year) | $8,316,283 |
The middle borrower at Ross College-Sylvania owes $7,719 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,719 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $3,969 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Ross College-Sylvania.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,596 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Ross College-Sylvania.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Ross College-Sylvania.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 125 | $6,961 |
| Completed (graduates) | 94 | $7,534 |
| Did not complete | 31 | $6,000 |
On a standard 10-year plan, the median completing borrower would pay about $89.59/mo.
Federal data lets us separate Stafford borrowers from the rest at Ross College-Sylvania.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 95 | $7,834 |
| No Stafford loan this year | 30 | $4,424 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Ross College-Sylvania.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Ross College-Sylvania is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.4% |
| Borrowers in the cohort | 1213 |
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 | $8,609 |
| Middle income | $7,000 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,750 |
| Continuing-generation students | $7,221 |
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 Ross College-Sylvania.
Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
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.