by our College Data Analytics TeamBelow is federal data on the loans students use to pay for The University of Texas Medical Branch at Galveston— 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 all undergraduates at UTMB Galveston, freshmen included, 62% rely on federal student loans toward their education, averaging $9,015 in federal loans per year.
Borrowing at that rate every year works out to about $18,030 by year two and around $36,060 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 62% |
| Average federal loan per year | $9,015 |
| Undergraduates with a federal loan | 347 |
| Total federal loans (one year) | $3,128,275 |
Graduating and withdrawing students at UTMB Galveston carry a median federal debt of $12,678 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,678 |
| Students who completed (graduates) | $13,396 |
| Students who withdrew | $7,953 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for UTMB Galveston.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $8,000 |
| 75th percentile | $18,722 |
| 90th percentile (highest-debt students) | $25,000 |
How wide this percentile range is tells you how much borrowing varies across students at UTMB Galveston.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for UTMB Galveston.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 284 | $18,932 |
| Completed (graduates) | 257 | $19,051 |
| Did not complete | 27 | $10,525 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $226.54/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at UTMB Galveston.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 229 | $18,468 |
| No Stafford loan this year | 55 | $20,800 |
Repayment burden translates the debt figures into what a borrower actually pays each month. UTMB Galveston.
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 UTMB Galveston is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.4% |
| Borrowers in the cohort | 610 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $15,000 |
| Middle income | $12,500 |
| High income | $12,110 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $13,000 |
| Continuing-generation students | $12,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,750 |
| Independent students | $17,210 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at UTMB Galveston.
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.
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.