by our College Data Analytics TeamThis page focuses on the debt students take on to attend Ross Medical Education Center - Evansville, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at Ross - Evansville, 77% of first-year students take on loan debt, with a typical loan of $8,358 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $6,221. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Ross - Evansville, 54% borrow through federal student loan programs, borrowing on average $6,309 in federal loans per year. This works out to 1.4% more than the $6,221 freshmen take on.
Repeating that yearly amount projects to about $12,618 in two years and roughly $25,236 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 54% |
| Average federal loan per year | $6,309 |
| Undergraduates with a federal loan | 66 |
| Total federal loans (one year) | $416,400 |
The median student at Ross - Evansville borrows $9,389 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,389 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Ross - Evansville.
| 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 - Evansville.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Ross - Evansville.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 39 | $6,200 |
Federal data lets us separate Stafford borrowers from the rest at Ross - Evansville.
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 - Evansville.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Ross - Evansville 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.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| 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 |
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 - Evansville.
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.