by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Texas Tech University Health Sciences Center-El Paso: 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.
Among all degree-seeking undergrads at TTUHSC - El Paso, 75% borrow through federal student loan programs, for a typical $10,176 each per year.
Borrowing at that rate every year works out to about $20,352 in two years and roughly $40,704 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 75% |
| Average federal loan per year | $10,176 |
| Undergraduates with a federal loan | 177 |
| Total federal loans (one year) | $1,801,228 |
The middle borrower at TTUHSC - El Paso owes $12,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,500 |
| Students who completed (graduates) | $12,500 |
| Students who withdrew | $9,583 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for TTUHSC - El Paso.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 77 | $15,938 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at TTUHSC - El Paso.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 65 | — |
| No Stafford loan this year | 12 | — |
The indicators below describe what the typical debt costs to pay back at TTUHSC - El Paso.
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 | $12,500 |
| Middle income | $12,500 |
| High income | $12,421 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,500 |
| Continuing-generation students | $12,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,421 |
| Independent students | $12,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at TTUHSC - El Paso.
The Difference Between Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
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.