by our College Data Analytics TeamHere you will find what students actually borrow to attend Ross Medical Education Center - Cincinnati— 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 incoming students at Ross - Cincinnati, 67% of first-year students take on loan debt, borrowing on average $6,958 per student, private and federal loans combined.
The typical federal loan comes to $5,596. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. 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 Ross - Cincinnati, 62% finance part of their studies with federal loans, for a typical $6,018 in federal loans per year. This works out to 7.5% larger than the first-year federal average of $5,596.
Borrowing at that rate every year works out to about $12,036 by year two and around $24,072 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 62% |
| Average federal loan per year | $6,018 |
| Undergraduates with a federal loan | 106 |
| Total federal loans (one year) | $637,922 |
The median student at Ross - Cincinnati borrows $9,389 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,389 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Ross - Cincinnati.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 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 - Cincinnati.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Ross - Cincinnati.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 39 | $6,200 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Ross - Cincinnati.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 29 | — |
| No Stafford loan this year | 10 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Ross - Cincinnati.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Ross - Cincinnati follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.2% |
| Borrowers in the cohort | 222 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $7,908 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,460 |
| Continuing-generation students | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Ross - Cincinnati.
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.
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.