by our College Data Analytics TeamThis page focuses on the debt students take on to attend Ross Medical Education Center - Battle Creek: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At Ross - Battle Creek specifically, 63% of freshmen borrow to help pay for their first year, with a typical loan of $8,572 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $6,697. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at Ross - Battle Creek, freshmen included, 52% use federal student loans to help pay for their education, borrowing on average $6,990 a year. That is 4.4% above the $6,697 borrowed by freshmen.
Borrowing at that rate every year works out to about $13,980 over two years and about $27,960 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 52% |
| Average federal loan per year | $6,990 |
| Undergraduates with a federal loan | 44 |
| Total federal loans (one year) | $307,564 |
The middle borrower at Ross - Battle Creek owes $7,504 in federal borrowing.
| 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 - Battle Creek.
| 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 - Battle Creek.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Ross - Battle Creek.
| 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 - Battle Creek.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Ross - Battle Creek is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.0% |
| Borrowers in the cohort | 1497 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| 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 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Ross - Battle Creek.
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.