by our College Data Analytics TeamHere you will find what students actually borrow to attend Ross Medical Education Center - Johnson City— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
At Ross - Johnson City, 75% of new students use loans toward freshman-year expenses, averaging $7,800 each, across private and federal loan sources.
The average federally funded loan is $6,224. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Ross - Johnson City, 64% use federal student loans to help pay for their education, with a mean of $6,875 a year. That amounts to 10.5% more than the first-year federal average of $6,224.
Carrying that yearly figure forward comes to roughly $13,750 in two years and roughly $27,500 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 64% |
| Average federal loan per year | $6,875 |
| Undergraduates with a federal loan | 82 |
| Total federal loans (one year) | $563,713 |
Graduating and withdrawing students at Ross - Johnson City carry a median federal debt of $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 |
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 - Johnson City.
| 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 - Johnson City.
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 - Johnson City.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 39 | $6,200 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Ross - Johnson City.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 29 | — |
| No Stafford loan this year | 10 | — |
These figures turn the debt totals into a monthly repayment picture for Ross - Johnson City.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Ross - Johnson City appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.2% |
| Borrowers in the cohort | 222 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 |
First-Gen vs Continuing-Gen Borrowing
| 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 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Ross - Johnson City.
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?
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.