by our College Data Analytics TeamThis page focuses on the debt students take on to attend Valley College of Medical Careers, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Graduating and withdrawing students at Valley College of Medical Careers carry a median federal debt of $8,698 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,698 |
| Students who completed (graduates) | $8,876 |
| Students who withdrew | $5,255 |
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 Valley College of Medical Careers.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,628 |
| 25th percentile | $5,255 |
| 75th percentile | $9,077 |
| 90th percentile (highest-debt students) | $18,666 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Valley College of Medical Careers.
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 Valley College of Medical Careers.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 23 | $3,692 |
The indicators below describe what the typical debt costs to pay back at Valley College of Medical Careers.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Valley College of Medical Careers follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.4% |
| Borrowers in the cohort | 141 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $8,699 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,671 |
| Independent students | $8,877 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Valley College of Medical Careers.
Subsidized vs. Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
Important to Remember
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.