by our College Data Analytics TeamThis page focuses on the debt students take on to attend United Education Institute - UEI College - Phoenix, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At UEI College - Phoenix specifically, 96% of first-year students take on loan debt, averaging $10,202 each — a figure that counts both private and federal student loans.
Federal loans alone average $7,426. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at UEI College - Phoenix, 75% finance part of their studies with federal loans, averaging $6,938 per year. This works out to 6.6% under the $7,426 typical freshmen borrow.
Borrowing at that rate every year works out to about $13,876 across two years and $27,752 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 75% |
| Average federal loan per year | $6,938 |
| Undergraduates with a federal loan | 1,527 |
| Total federal loans (one year) | $10,594,560 |
The median student at UEI College - Phoenix borrows $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,360 |
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 UEI College - Phoenix.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,480 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at UEI College - Phoenix.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for UEI College - Phoenix.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1431 | $7,741 |
| Completed (graduates) | 1025 | $7,843 |
| Did not complete | 406 | $3,922 |
On a standard 10-year plan, the median completing borrower would pay about $93.26/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at UEI College - Phoenix.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1329 | $7,842 |
| No Stafford loan | 102 | $2,581 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1304 | $7,842 |
| No Stafford loan this year | 127 | $2,745 |
These figures turn the debt totals into a monthly repayment picture for UEI College - Phoenix.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for UEI College - Phoenix is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.0% |
| Borrowers in the cohort | 9731 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $8,757 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for UEI College - Phoenix.
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
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.