by our College Data Analytics TeamHere you will find what students actually borrow to attend Ross Medical Education Center - Knoxville, 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 - Knoxville, 62% of incoming students take out a loan to help cover first-year costs, with a typical loan of $7,722 per student, private and federal loans combined.
The average federally funded loan is $6,370. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
For undergraduates overall at Ross - Knoxville, 57% borrow through federal student loan programs, averaging $6,646 a year. This works out to 4.3% more than the $6,370 borrowed by freshmen.
At a steady annual pace, that totals around $13,292 over two years and about $26,584 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 57% |
| Average federal loan per year | $6,646 |
| Undergraduates with a federal loan | 71 |
| Total federal loans (one year) | $471,863 |
The median student at Ross - Knoxville borrows $5,500 in federal student loans.
| 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.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Ross - Knoxville.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at Ross - Knoxville.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Ross - Knoxville.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 68 | $8,661 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Ross - Knoxville.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 58 | — |
| No Stafford loan this year | 10 | — |
The indicators below describe what the typical debt costs to pay back at Ross - Knoxville.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Ross - Knoxville is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.1% |
| Borrowers in the cohort | 870 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $8,019 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,645 |
| Continuing-generation students | $5,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Ross - Knoxville.
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.
Important to Remember
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.