by our College Data Analytics TeamBelow is federal data on the loans students use to pay for The University of Texas at Tyler: 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.
Looking at the entering class at UT Tyler, 28% of incoming students take out a loan to help cover first-year costs, with a typical loan of $6,233 per borrower, covering both private and federal loans.
On the federal side, the average loan is $5,184, or about 94.3% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at UT Tyler, 33% finance part of their studies with federal loans, with a mean of $6,888 annually. That is 32.9% above the $5,184 freshmen take on.
At a steady annual pace, that totals around $13,776 across two years and $27,552 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 | 33% |
| Average federal loan per year | $6,888 |
| Undergraduates with a federal loan | 2,331 |
| Total federal loans (one year) | $16,056,918 |
The median student at UT Tyler borrows $12,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,500 |
| Students who completed (graduates) | $17,137 |
| Students who withdrew | $7,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for UT Tyler.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,250 |
| 25th percentile | $5,500 |
| 75th percentile | $21,500 |
| 90th percentile (highest-debt students) | $30,249 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at UT Tyler.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for UT Tyler.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 985 | $15,000 |
| Completed (graduates) | 568 | $15,463 |
| Did not complete | 417 | $14,871 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $183.87/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at UT Tyler.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 966 | $15,140 |
| No Stafford loan | 19 | $12,768 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 764 | $15,628 |
| No Stafford loan this year | 221 | $13,000 |
The indicators below describe what the typical debt costs to pay back at UT Tyler.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for UT Tyler is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.5% |
| Borrowers in the cohort | 1517 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $13,250 |
| Middle income | $12,500 |
| High income | $12,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,640 |
| Continuing-generation students | $12,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,464 |
| Independent students | $15,039 |
Federal data publishes the following gap measures for UT Tyler.
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.
Did You Know?
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.