by our College Data Analytics TeamThis page focuses on the debt students take on to attend Ross Medical Education Center - Taylor, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at Ross - Taylor, 71% of first-year students take on loan debt, at roughly $7,697 per borrower, covering both private and federal loans.
The average federal loan is $5,880. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Ross - Taylor, 60% rely on federal student loans toward their education, with a mean of $6,254 each per year. That is 6.4% above the $5,880 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $12,508 across two years and $25,016 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 60% |
| Average federal loan per year | $6,254 |
| Undergraduates with a federal loan | 62 |
| Total federal loans (one year) | $387,754 |
Graduating and withdrawing students at Ross - Taylor carry a median federal debt of $8,481 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,481 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,750 |
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 - Taylor.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,655 |
| 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 - Taylor.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Ross - Taylor.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 50 | $6,501 |
| Completed (graduates) | 30 | $7,402 |
| Did not complete | 20 | $5,380 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $88.02/mo.
Federal data lets us separate Stafford borrowers from the rest at Ross - Taylor.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 39 | — |
| No Stafford loan this year | 11 | — |
The indicators below describe what the typical debt costs to pay back at Ross - Taylor.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Ross - Taylor appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.1% |
| Borrowers in the cohort | 783 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $6,431 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,876 |
| 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 - Taylor.
Subsidized vs. 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.
Important to Remember
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.