by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Ross Medical Education Center - Port Huron— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Ross - Port Huron, 73% of first-year students take on loan debt, averaging $7,389 per borrower, covering both private and federal loans.
The average federal loan is $5,332, representing 96.9% of the $5,500 first-year federal borrowing limit for a 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.
Looking at all undergraduates at Ross - Port Huron, freshmen included, 56% rely on federal student loans toward their education, for a typical $5,746 per year. This works out to 7.8% greater than the first-year federal average of $5,332.
Borrowing at that rate every year works out to about $11,492 after two years and $22,984 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 | 56% |
| Average federal loan per year | $5,746 |
| Undergraduates with a federal loan | 31 |
| Total federal loans (one year) | $178,118 |
Graduating and withdrawing students at Ross - Port Huron carry a median federal debt of $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 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Ross - Port Huron.
| 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 spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Ross - Port Huron.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Ross - Port Huron.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 65 | $5,925 |
| Completed (graduates) | 44 | $5,962 |
| Did not complete | 21 | $5,798 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $70.89/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. Ross - Port Huron.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Ross - Port Huron follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.0% |
| Borrowers in the cohort | 1497 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
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 |
Federal data publishes the following gap measures for Ross - Port Huron.
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
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.