by our College Data Analytics TeamBelow is federal data on the loans students use to pay for UPMC Shadyside 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.
For incoming students at UPMC Shadyside School of Nursing, 60% of new students use loans toward freshman-year expenses, averaging $10,199 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $6,841. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Across the full undergraduate body at UPMC Shadyside School of Nursing (freshmen included), 64% rely on federal student loans toward their education, at an average of $7,640 per year. This works out to 11.7% higher than the freshman federal average of $6,841.
Borrowing the same amount each year would add up to roughly $15,280 by year two and around $30,560 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 64% |
| Average federal loan per year | $7,640 |
| Undergraduates with a federal loan | 383 |
| Total federal loans (one year) | $2,926,236 |
Graduating and withdrawing students at UPMC Shadyside School of Nursing carry a median federal debt of $12,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $19,666 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at UPMC Shadyside School of Nursing.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,001 |
| 25th percentile | $6,334 |
| 75th percentile | $17,531 |
| 90th percentile (highest-debt students) | $20,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at UPMC Shadyside School of Nursing.
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 UPMC Shadyside School of Nursing.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 103 | $20,021 |
| Completed (graduates) | 63 | $21,450 |
| Did not complete | 40 | $15,500 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $255.06/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at UPMC Shadyside School of Nursing.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 90 | — |
| No Stafford loan this year | 13 | — |
The indicators below describe what the typical debt costs to pay back at UPMC Shadyside School of Nursing.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for UPMC Shadyside School of Nursing follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.7% |
| Borrowers in the cohort | 133 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $16,000 |
| Middle income | $12,597 |
| High income | $12,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,185 |
| Continuing-generation students | $12,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,500 |
| Independent students | $18,556 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at UPMC Shadyside School of Nursing.
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.
Important to Remember
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.