by our College Data Analytics TeamThis page focuses on the debt students take on to attend UEI College-Sacramento: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at UEI College-Sacramento, 95% of first-year students take on loan debt, with a typical loan of $10,880 each, across private and federal loan sources.
On the federal side, the average loan is $8,203. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at UEI College-Sacramento, freshmen included, 78% rely on federal student loans toward their education, at an average of $7,543 per year. This is 8.0% under the $8,203 borrowed by freshmen.
At a steady annual pace, that totals around $15,086 after two years and $30,172 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 | 78% |
| Average federal loan per year | $7,543 |
| Undergraduates with a federal loan | 1,516 |
| Total federal loans (one year) | $11,434,789 |
Graduating and withdrawing students at UEI College-Sacramento carry a median federal debt of $9,433 of cumulative federal debt.
| 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.
Half of all borrowers fall between the 25th and 75th percentiles shown below for UEI College-Sacramento.
| 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 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at UEI College-Sacramento.
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 UEI College-Sacramento.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 490 | $7,843 |
| Completed (graduates) | 375 | $7,947 |
| Did not complete | 115 | $5,141 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $94.5/mo.
Federal data lets us separate Stafford borrowers from the rest at UEI College-Sacramento.
Any-Stafford Borrowers
| 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 |
These figures turn the debt totals into a monthly repayment picture for UEI College-Sacramento.
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 UEI College-Sacramento appears 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.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| 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 |
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-Sacramento.
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
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.