by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Careers Unlimited: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
For undergraduates overall at UCDH, 75% use federal student loans to help pay for their education, for a typical $12,265 a year.
Borrowing the same amount each year would add up to roughly $24,530 in two years and roughly $49,060 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 | 75% |
| Average federal loan per year | $12,265 |
| Undergraduates with a federal loan | 133 |
| Total federal loans (one year) | $1,631,195 |
Graduating and withdrawing students at UCDH carry a median federal debt of $27,396 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $27,396 |
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for UCDH.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $14,354 |
| 25th percentile | $19,937 |
| 75th percentile | $32,896 |
| 90th percentile (highest-debt students) | $32,896 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at UCDH.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at UCDH.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 21 | $29,098 |
These figures turn the debt totals into a monthly repayment picture for UCDH.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for UCDH follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 52 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $28,896 |
| Middle income | $28,948 |
| High income | $19,937 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $28,896 |
| Continuing-generation students | $23,146 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,937 |
| Independent students | $32,896 |
Federal data publishes the following gap measures for UCDH.
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.
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.