by our College Data Analytics TeamThis page focuses on the debt students take on to attend Touro University: 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 Touro, 25% of first-year students take on loan debt, for an average of $6,045 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $5,887. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Across the full undergraduate body at Touro (freshmen included), 31% borrow through federal student loan programs, with a mean of $7,883 per year. That amounts to 33.9% more than the $5,887 borrowed by freshmen.
Borrowing at that rate every year works out to about $15,766 across two years and $31,532 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 31% |
| Average federal loan per year | $7,883 |
| Undergraduates with a federal loan | 1,231 |
| Total federal loans (one year) | $9,703,553 |
The median student at Touro borrows $12,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,500 |
| Students who completed (graduates) | $15,547 |
| Students who withdrew | $7,500 |
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 Touro.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,000 |
| 25th percentile | $5,500 |
| 75th percentile | $23,349 |
| 90th percentile (highest-debt students) | $34,791 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Touro.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Touro.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 988 | $22,000 |
| Completed (graduates) | 697 | $23,400 |
| Did not complete | 291 | $19,995 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $278.25/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Touro.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 703 | $23,220 |
| No Stafford loan this year | 285 | $19,500 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Touro.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Touro follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.5% |
| Borrowers in the cohort | 4127 |
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 | $12,750 |
| Middle income | $12,500 |
| High income | $11,829 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,750 |
| Continuing-generation students | $12,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,000 |
| Independent students | $14,250 |
Federal data publishes the following gap measures for Touro.
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?
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.