by our College Data Analytics TeamThis page focuses on the debt students take on to attend Western Pennsylvania Hospital School of Nursing: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Among first-year students at West Penn Hospital School of Nursing, 68% of freshmen borrow to help pay for their first year, averaging $9,180 each, across private and federal loan sources.
On the federal side, the average loan is $4,538, or about 82.5% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at West Penn Hospital School of Nursing, 66% rely on federal student loans toward their education, with a mean of $6,636 each per year. That amounts to 46.2% higher than the $4,538 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $13,272 across two years and $26,544 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 66% |
| Average federal loan per year | $6,636 |
| Undergraduates with a federal loan | 95 |
| Total federal loans (one year) | $630,446 |
Graduating and withdrawing students at West Penn Hospital 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) | $13,838 |
| Students who withdrew | $4,125 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for West Penn Hospital School of Nursing.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,424 |
| 25th percentile | $6,500 |
| 75th percentile | $18,788 |
| 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 West Penn Hospital School of Nursing.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for West Penn Hospital School of Nursing.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 37 | $11,050 |
Repayment burden translates the debt figures into what a borrower actually pays each month. West Penn Hospital School of Nursing.
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 West Penn Hospital School of Nursing follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 55 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $14,750 |
| Middle income | $12,000 |
| High income | $11,774 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $12,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,000 |
| Independent students | $17,365 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at West Penn Hospital School of Nursing.
Subsidized and 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.
Worth Knowing
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.