by our College Data Analytics TeamBelow is federal data on the loans students use to pay for West Virginia School of Osteopathic Medicine— 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.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at WVSOM.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,500 |
| 25th percentile | $3,800 |
| 75th percentile | $7,300 |
| 90th percentile (highest-debt students) | $7,300 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at WVSOM.
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 WVSOM.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 53 | $17,330 |
These figures turn the debt totals into a monthly repayment picture for WVSOM.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for WVSOM follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0.4% |
| Borrowers in the cohort | 219 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Subsidized vs. 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.