by our College Data Analytics TeamBelow is federal data on the loans students use to pay for University of Texas Southwestern Medical Center: 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.
Half of all borrowers fall between the 25th and 75th percentiles shown below for UT Southwestern.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,000 |
| 25th percentile | $4,000 |
| 75th percentile | $8,000 |
| 90th percentile (highest-debt students) | $8,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at UT Southwestern.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for UT Southwestern.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 75 | $37,066 |
These figures turn the debt totals into a monthly repayment picture for UT Southwestern.
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 UT Southwestern appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0.5% |
| Borrowers in the cohort | 335 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The Difference Between 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?
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.