by our College Data Analytics TeamThis page focuses on the debt students take on to attend UEI College-Tacoma: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Looking at the entering class at UEI College-Tacoma, 97% of freshmen borrow to help pay for their first year, with a typical loan of $10,476 each — a figure that counts both private and federal student loans.
The average federally funded loan is $7,408. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at UEI College-Tacoma, 76% take out federal student loans, borrowing on average $6,969 a year. That is 5.9% less than the $7,408 freshmen take on.
Borrowing the same amount each year would add up to roughly $13,938 by year two and around $27,876 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 76% |
| Average federal loan per year | $6,969 |
| Undergraduates with a federal loan | 769 |
| Total federal loans (one year) | $5,358,838 |
The middle borrower at UEI College-Tacoma 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Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for UEI College-Tacoma.
| 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-Tacoma.
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-Tacoma.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 490 | $7,843 |
| Completed (graduates) | 375 | $7,947 |
| Did not complete | 115 | $5,141 |
On a standard 10-year plan, the median completing borrower would pay about $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-Tacoma.
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 |
The indicators below describe what the typical debt costs to pay back at UEI College-Tacoma.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for UEI College-Tacoma is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.9% |
| Borrowers in the cohort | 194 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $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 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at UEI College-Tacoma.
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.
Important to Remember
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.