by our College Data Analytics TeamHere you will find what students actually borrow to attend UEI College-Gardena— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Among first-year students at UEI College-Gardena, 97% of new students use loans toward freshman-year expenses, at roughly $10,911 each, across private and federal loan sources.
The average federal loan is $7,770. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Across the full undergraduate body at UEI College-Gardena (freshmen included), 79% take out federal student loans, at an average of $6,960 per year. It comes to 10.4% lower than the first-year federal average of $7,770.
Carrying that yearly figure forward comes to roughly $13,920 by year two and around $27,840 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 | 79% |
| Average federal loan per year | $6,960 |
| Undergraduates with a federal loan | 1,956 |
| Total federal loans (one year) | $13,614,617 |
The middle borrower at UEI College-Gardena owes $9,433 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,433 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,598 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for UEI College-Gardena.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 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-Gardena.
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-Gardena.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 490 | $7,843 |
| Completed (graduates) | 375 | $7,947 |
| Did not complete | 115 | $5,141 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $94.5/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-Gardena.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 470 | $7,894 |
| No Stafford loan | 20 | $2,844 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 456 | $7,894 |
| No Stafford loan this year | 34 | $3,073 |
Repayment burden translates the debt figures into what a borrower actually pays each month. UEI College-Gardena.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for UEI College-Gardena appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.9% |
| Borrowers in the cohort | 194 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,445 |
| Middle income | $8,914 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,433 |
| Continuing-generation students | $9,449 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for UEI College-Gardena.
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.
Important to Remember
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.