by our College Data Analytics TeamThis page focuses on the debt students take on to attend University of North Texas at Dallas: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At UNT Dallas specifically, 25% of incoming students take out a loan to help cover first-year costs, with a typical loan of $4,056 per student, private and federal loans combined.
The average federal loan is $4,056, equal to roughly 73.7% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at UNT Dallas, 32% borrow through federal student loan programs, borrowing on average $7,677 annually. It comes to 89.3% larger than the freshman federal average of $4,056.
Carrying that yearly figure forward comes to roughly $15,354 across two years and $30,708 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 32% |
| Average federal loan per year | $7,677 |
| Undergraduates with a federal loan | 941 |
| Total federal loans (one year) | $7,224,095 |
The median student at UNT Dallas borrows $12,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,500 |
| Students who completed (graduates) | $18,606 |
| Students who withdrew | $11,424 |
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 UNT Dallas.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $12,500 |
| 90th percentile (highest-debt students) | $18,750 |
How wide this percentile range is tells you how much borrowing varies across students at UNT Dallas.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at UNT Dallas.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 271 | $10,808 |
| Completed (graduates) | 49 | $15,544 |
| Did not complete | 222 | $10,433 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $184.83/mo.
Federal data lets us separate Stafford borrowers from the rest at UNT Dallas.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 192 | $10,393 |
| No Stafford loan this year | 79 | $11,900 |
These figures turn the debt totals into a monthly repayment picture for UNT Dallas.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $12,500 |
| Middle income | $12,500 |
| High income | $11,691 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,500 |
| Continuing-generation students | $13,250 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,500 |
| Independent students | $15,878 |
Federal data publishes the following gap measures for UNT Dallas.
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.
Important to Remember
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.