by our College Data Analytics TeamThis page focuses on the debt students take on to attend Ross Medical Education Center-Fort Wayne— 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.
For incoming students at Ross - Fort Wayne, 70% of new students use loans toward freshman-year expenses, borrowing on average $8,031 per borrower, covering both private and federal loans.
On the federal side, the average loan is $6,400. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at Ross - Fort Wayne, 62% borrow through federal student loan programs, at an average of $6,409 per year. That amounts to 0.1% larger than the $6,400 freshmen take on.
Borrowing at that rate every year works out to about $12,818 across two years and $25,636 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 62% |
| Average federal loan per year | $6,409 |
| Undergraduates with a federal loan | 141 |
| Total federal loans (one year) | $903,738 |
The median student at Ross - Fort Wayne borrows $5,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,725 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Ross - Fort Wayne.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,399 |
| 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 - Fort Wayne.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Ross - Fort Wayne.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 68 | $8,661 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Ross - Fort Wayne.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 58 | — |
| No Stafford loan this year | 10 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Ross - Fort Wayne.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Ross - Fort Wayne follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.1% |
| Borrowers in the cohort | 870 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $8,019 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,645 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Ross - Fort Wayne.
The Difference Between Subsidized and 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.
Worth Knowing
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.