by our College Data Analytics TeamHere you will find what students actually borrow to attend UEI College-Bakersfield: 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.
At UEI College-Bakersfield, 96% of new students use loans toward freshman-year expenses, for an average of $10,699 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $7,816. 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 UEI College-Bakersfield, freshmen included, 79% rely on federal student loans toward their education, with a mean of $6,953 in federal loans per year. This works out to 11.0% below the $7,816 borrowed by freshmen.
Borrowing at that rate every year works out to about $13,906 after two years and $27,812 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 79% |
| Average federal loan per year | $6,953 |
| Undergraduates with a federal loan | 1,914 |
| Total federal loans (one year) | $13,308,666 |
The median student at UEI College-Bakersfield borrows $9,445 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,445 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,723 |
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 UEI College-Bakersfield.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,975 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at UEI College-Bakersfield.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for UEI College-Bakersfield.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 378 | $7,739 |
| Completed (graduates) | 314 | $7,843 |
| Did not complete | 64 | $3,856 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $93.26/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at UEI College-Bakersfield.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 363 | — |
| No Stafford loan | 15 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 355 | $7,740 |
| No Stafford loan this year | 23 | $2,665 |
The indicators below describe what the typical debt costs to pay back at UEI College-Bakersfield.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for UEI College-Bakersfield follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.5% |
| Borrowers in the cohort | 155 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,445 |
| Middle income | $9,073 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,445 |
| Continuing-generation students | $9,201 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at UEI College-Bakersfield.
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.
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.