by our College Data Analytics TeamHere you will find what students actually borrow to attend Ross Medical Education Center - Ann Arbor, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Ross - Ann Arbor, 79% of incoming undergraduates borrow in year one, at roughly $6,587 per borrower, covering both private and federal loans.
The average federal loan is $5,388, amounting to 98.0% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Across the full undergraduate body at Ross - Ann Arbor (freshmen included), 59% borrow through federal student loan programs, with a mean of $5,770 in federal loans per year. That is 7.1% greater than the first-year federal average of $5,388.
At a steady annual pace, that totals around $11,540 over two years and about $23,080 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 59% |
| Average federal loan per year | $5,770 |
| Undergraduates with a federal loan | 33 |
| Total federal loans (one year) | $190,416 |
The median student at Ross - Ann Arbor borrows $7,719 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,719 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $3,969 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Ross - Ann Arbor.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at Ross - Ann Arbor.
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 Ross - Ann Arbor.
| 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.
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 Ross - Ann Arbor.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 95 | $7,834 |
| No Stafford loan this year | 30 | $4,424 |
The indicators below describe what the typical debt costs to pay back at Ross - Ann Arbor.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Ross - Ann Arbor 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 |
Federal data publishes the following gap measures for Ross - Ann Arbor.
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.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.