by our College Data Analytics TeamThis page focuses on the debt students take on to attend Utah Tech University— 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.
At Dixie State College, 22% of incoming undergraduates borrow in year one, borrowing on average $6,934 per student, private and federal loans combined.
Federal loans alone average $6,130. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at Dixie State College, freshmen included, 23% borrow through federal student loan programs, averaging $6,561 each per year. This is 7.0% greater than the $6,130 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $13,122 across two years and $26,244 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 23% |
| Average federal loan per year | $6,561 |
| Undergraduates with a federal loan | 1,899 |
| Total federal loans (one year) | $12,459,960 |
Graduating and withdrawing students at Dixie State College carry a median federal debt of $7,191 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,191 |
| Students who completed (graduates) | $15,000 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Dixie State College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,255 |
| 25th percentile | $3,500 |
| 75th percentile | $17,500 |
| 90th percentile (highest-debt students) | $35,579 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Dixie State College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Dixie State College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 295 | $12,000 |
| Completed (graduates) | 84 | $14,351 |
| Did not complete | 211 | $11,125 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $170.65/mo.
Federal data lets us separate Stafford borrowers from the rest at Dixie State College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 281 | — |
| No Stafford loan | 14 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 261 | $12,000 |
| No Stafford loan this year | 34 | $11,650 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Dixie State College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Dixie State College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.2% |
| Borrowers in the cohort | 1563 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $7,000 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,500 |
| Continuing-generation students | $6,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $11,750 |
Federal data publishes the following gap measures for Dixie State College.
The Difference Between 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.