by our College Data Analytics TeamBelow is federal data on the loans students use to pay for University of Oklahoma-Health Sciences Center— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Across the full undergraduate body at UOHSC (freshmen included), 52% borrow through federal student loan programs, at an average of $8,777 each per year.
Borrowing at that rate every year works out to about $17,554 by year two and around $35,108 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 52% |
| Average federal loan per year | $8,777 |
| Undergraduates with a federal loan | 597 |
| Total federal loans (one year) | $5,239,668 |
The median student at UOHSC borrows $15,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,500 |
| Students who completed (graduates) | $20,654 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for UOHSC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,833 |
| 25th percentile | $6,750 |
| 75th percentile | $25,583 |
| 90th percentile (highest-debt students) | $32,965 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at UOHSC.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for UOHSC.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 2601 | $27,028 |
| Completed (graduates) | 1503 | $31,890 |
| Did not complete | 1098 | $22,839 |
On a standard 10-year plan, the median completing borrower would pay about $379.21/mo.
Federal data lets us separate Stafford borrowers from the rest at UOHSC.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 2490 | $27,219 |
| No Stafford loan | 111 | $23,775 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 2219 | $29,623 |
| No Stafford loan this year | 382 | $16,851 |
The indicators below describe what the typical debt costs to pay back at UOHSC.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for UOHSC follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.0% |
| Borrowers in the cohort | 5785 |
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 | $15,950 |
| Middle income | $15,750 |
| High income | $15,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,000 |
| Continuing-generation students | $15,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,000 |
| Independent students | $18,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at UOHSC.
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?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.