by our College Data Analytics TeamThis page focuses on the debt students take on to attend Ross Medical Education Center - Granger: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At Ross - Granger specifically, 70% of first-year students take on loan debt, at roughly $7,284 each — a figure that counts both private and federal student loans.
The average federal loan is $6,001. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. 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 - Granger, 62% rely on federal student loans toward their education, at an average of $6,309 each per year. That is 5.1% higher than the freshman federal average of $6,001.
At a steady annual pace, that totals around $12,618 in two years and roughly $25,236 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 62% |
| Average federal loan per year | $6,309 |
| Undergraduates with a federal loan | 146 |
| Total federal loans (one year) | $921,089 |
The median student at Ross - Granger borrows $8,481 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,481 |
| 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Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Ross - Granger.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,655 |
| 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 - Granger.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Ross - Granger.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 50 | $6,501 |
| Completed (graduates) | 30 | $7,402 |
| Did not complete | 20 | $5,380 |
On a standard 10-year plan, the median completing borrower would pay about $88.02/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 - Granger.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 39 | — |
| No Stafford loan this year | 11 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Ross - Granger.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Ross - Granger follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.1% |
| Borrowers in the cohort | 783 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $6,431 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,876 |
| 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 - Granger.
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.
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.