by our College Data Analytics TeamThis page focuses on the debt students take on to attend UEI College-Fresno, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At UEI College-Fresno specifically, 97% of incoming students take out a loan to help cover first-year costs, borrowing on average $10,605 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $7,578. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. 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 UEI College-Fresno, 76% take out federal student loans, with a mean of $7,039 per year. That amounts to 7.1% under the first-year federal average of $7,578.
Carrying that yearly figure forward comes to roughly $14,078 over two years and about $28,156 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 76% |
| Average federal loan per year | $7,039 |
| Undergraduates with a federal loan | 1,282 |
| Total federal loans (one year) | $9,024,478 |
The median student at UEI College-Fresno borrows $9,445 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,445 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,723 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 UEI College-Fresno.
| 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 gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at UEI College-Fresno.
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 UEI College-Fresno.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 378 | $7,739 |
| Completed (graduates) | 314 | $7,843 |
| Did not complete | 64 | $3,856 |
On a standard 10-year plan, the median completing borrower would pay about $93.26/mo.
Federal data lets us separate Stafford borrowers from the rest at UEI College-Fresno.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 363 | — |
| No Stafford loan | 15 | — |
Stafford This Year vs Not
| 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-Fresno.
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 UEI College-Fresno is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.5% |
| Borrowers in the cohort | 155 |
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.
By Family Income
| 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 |
Dependency-Status Comparison
| 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-Fresno.
The Difference Between 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.