by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Ross Medical Education Center - Kalamazoo, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Ross - Kalamazoo specifically, 56% of incoming undergraduates borrow in year one, with a typical loan of $7,467 per borrower, covering both private and federal loans.
The average federally funded loan is $5,969. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Ross - Kalamazoo, freshmen included, 50% borrow through federal student loan programs, averaging $6,303 per year. That is 5.6% larger than the $5,969 borrowed by freshmen.
Repeating that yearly amount projects to about $12,606 by year two and around $25,212 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 50% |
| Average federal loan per year | $6,303 |
| Undergraduates with a federal loan | 108 |
| Total federal loans (one year) | $680,698 |
The median student at Ross - Kalamazoo borrows $7,504 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,504 |
| 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Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Ross - Kalamazoo.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Ross - Kalamazoo.
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 - Kalamazoo.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 65 | $5,925 |
| Completed (graduates) | 44 | $5,962 |
| Did not complete | 21 | $5,798 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $70.89/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. Ross - Kalamazoo.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Ross - Kalamazoo appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.0% |
| Borrowers in the cohort | 1497 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,599 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Ross - Kalamazoo.
Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Important to Remember
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.