by our College Data Analytics TeamHere you will find what students actually borrow to attend Ross Medical Education Center - Midland: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
For incoming students at Ross - Midland, 19% of freshmen borrow to help pay for their first year, with a typical loan of $7,154 per borrower, covering both private and federal loans.
Federal loans alone average $5,869. This meets or exceeds the $5,500 cap on first-year federal borrowing for 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 - Midland, 23% finance part of their studies with federal loans, borrowing on average $6,702 in federal loans per year. That amounts to 14.2% larger than the $5,869 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $13,404 in two years and roughly $26,808 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 | 23% |
| Average federal loan per year | $6,702 |
| Undergraduates with a federal loan | 22 |
| Total federal loans (one year) | $147,444 |
The median student at Ross - Midland borrows $7,719 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,719 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $3,969 |
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 - Midland.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,596 |
| 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 - Midland.
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 - Midland.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 125 | $6,961 |
| Completed (graduates) | 94 | $7,534 |
| Did not complete | 31 | $6,000 |
On a standard 10-year plan, the median completing borrower would pay about $89.59/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Ross - Midland.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 95 | $7,834 |
| No Stafford loan this year | 30 | $4,424 |
These figures turn the debt totals into a monthly repayment picture for Ross - Midland.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Ross - Midland is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.4% |
| Borrowers in the cohort | 1213 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $8,609 |
| Middle income | $7,000 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,750 |
| Continuing-generation students | $7,221 |
Dependency-Status Comparison
| 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 - Midland.
Subsidized vs. 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.