by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Universal Training Institute, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Universal Training Institute, 74% of first-year students take on loan debt, averaging $5,746 each, across private and federal loan sources.
On the federal side, the average loan is $5,746. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Universal Training Institute, 72% borrow through federal student loan programs, with a mean of $5,870 in federal loans per year. That amounts to 2.2% more than the $5,746 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $11,740 across two years and $23,480 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 72% |
| Average federal loan per year | $5,870 |
| Undergraduates with a federal loan | 154 |
| Total federal loans (one year) | $903,964 |
Graduating and withdrawing students at Universal Training Institute carry a median federal debt of $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $12,546 |
| Students who withdrew | $5,344 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Universal Training Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $5,400 |
| 75th percentile | $12,154 |
| 90th percentile (highest-debt students) | $12,953 |
How wide this percentile range is tells you how much borrowing varies across students at Universal Training Institute.
The indicators below describe what the typical debt costs to pay back at Universal Training Institute.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $7,833 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Universal Training Institute.
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.
Important to Remember
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.