by our College Data Analytics TeamBelow is federal data on the loans students use to pay for University of Arkansas-Pulaski Technical College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at UA Pulaski Tech, 33% of incoming students take out a loan to help cover first-year costs, for an average of $5,401 each, across private and federal loan sources.
The typical federal loan comes to $5,357, representing 97.4% 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.
Counting every undergraduate at UA Pulaski Tech, 45% rely on federal student loans toward their education, with a mean of $6,719 per year. That amounts to 25.4% higher than the $5,357 freshmen take on.
Repeating that yearly amount projects to about $13,438 by year two and around $26,876 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 45% |
| Average federal loan per year | $6,719 |
| Undergraduates with a federal loan | 1,709 |
| Total federal loans (one year) | $11,482,795 |
Graduating and withdrawing students at UA Pulaski Tech carry a median federal debt of $7,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,000 |
| Students who completed (graduates) | $12,080 |
| Students who withdrew | $5,693 |
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 UA Pulaski Tech.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,004 |
| 25th percentile | $3,500 |
| 75th percentile | $21,088 |
| 90th percentile (highest-debt students) | $36,125 |
How wide this percentile range is tells you how much borrowing varies across students at UA Pulaski Tech.
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 UA Pulaski Tech.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 477 | $8,530 |
| Completed (graduates) | 98 | $7,592 |
| Did not complete | 379 | $8,873 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $90.28/mo.
Federal data lets us separate Stafford borrowers from the rest at UA Pulaski Tech.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 241 | $7,389 |
| No Stafford loan this year | 236 | $10,549 |
These figures turn the debt totals into a monthly repayment picture for UA Pulaski Tech.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for UA Pulaski Tech follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.7% |
| Borrowers in the cohort | 3470 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,754 |
| Middle income | $6,500 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,044 |
| Continuing-generation students | $6,250 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,000 |
Federal data publishes the following gap measures for UA Pulaski Tech.
Subsidized vs. 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.
Did You Know?
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.