by our College Data Analytics TeamBelow is federal data on the loans students use to pay for UEI College-Riverside— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
For incoming students at UEI College-Riverside, 98% of new students use loans toward freshman-year expenses, with a typical loan of $11,515 each, across private and federal loan sources.
The average federal loan is $8,547. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at UEI College-Riverside, 79% rely on federal student loans toward their education, averaging $7,776 a year. This works out to 9.0% smaller than the $8,547 typical freshmen borrow.
Borrowing at that rate every year works out to about $15,552 after two years and $31,104 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 | 79% |
| Average federal loan per year | $7,776 |
| Undergraduates with a federal loan | 2,072 |
| Total federal loans (one year) | $16,111,370 |
The middle borrower at UEI College-Riverside owes $9,433 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,433 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,598 |
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-Riverside.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
How wide this percentile range is tells you how much borrowing varies across students at UEI College-Riverside.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for UEI College-Riverside.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 490 | $7,843 |
| Completed (graduates) | 375 | $7,947 |
| Did not complete | 115 | $5,141 |
On a standard 10-year plan, the median completing borrower would pay about $94.5/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at UEI College-Riverside.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 470 | $7,894 |
| No Stafford loan | 20 | $2,844 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 456 | $7,894 |
| No Stafford loan this year | 34 | $3,073 |
The indicators below describe what the typical debt costs to pay back at UEI College-Riverside.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for UEI College-Riverside is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.9% |
| Borrowers in the cohort | 194 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,445 |
| Middle income | $8,914 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,433 |
| Continuing-generation students | $9,449 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at UEI College-Riverside.
The Difference Between Subsidized and 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.
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.