by our College Data Analytics TeamThis page focuses on the debt students take on to attend UPMC St. Margaret School of Nursing— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Looking at the entering class at UPMC St. Margaret School of Nursing, 83% of incoming students take out a loan to help cover first-year costs, at roughly $18,436 apiece. This figure includes both private and federally funded student loans.
The average federally funded loan is $8,752. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at UPMC St. Margaret School of Nursing, 70% finance part of their studies with federal loans, borrowing on average $6,835 each per year. It comes to 21.9% smaller than the freshman federal average of $8,752.
At a steady annual pace, that totals around $13,670 in two years and roughly $27,340 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 | 70% |
| Average federal loan per year | $6,835 |
| Undergraduates with a federal loan | 64 |
| Total federal loans (one year) | $437,421 |
The median student at UPMC St. Margaret School of Nursing borrows $12,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $15,667 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for UPMC St. Margaret School of Nursing.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,325 |
| 25th percentile | $9,260 |
| 75th percentile | $16,686 |
| 90th percentile (highest-debt students) | $20,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at UPMC St. Margaret School of Nursing.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at UPMC St. Margaret School of Nursing.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 25 | $20,000 |
Repayment burden translates the debt figures into what a borrower actually pays each month. UPMC St. Margaret School of Nursing.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for UPMC St. Margaret School of Nursing follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.6% |
| Borrowers in the cohort | 71 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $15,500 |
| Middle income | $11,000 |
| High income | $12,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,188 |
| Independent students | $18,331 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at UPMC St. Margaret School of Nursing.
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.
Did You Know?
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.