by our College Data Analytics TeamThis page focuses on the debt students take on to attend Ultimate Medical Academy, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At UMA Clearwater, 76% of new students use loans toward freshman-year expenses, for an average of $2,697 each, across private and federal loan sources.
Federal loans alone average $2,697, equal to roughly 49.0% 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 UMA Clearwater, 78% borrow through federal student loan programs, averaging $2,757 a year. This is 2.2% larger than the $2,697 freshmen take on.
Borrowing at that rate every year works out to about $5,514 across two years and $11,028 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 78% |
| Average federal loan per year | $2,757 |
| Undergraduates with a federal loan | 26,643 |
| Total federal loans (one year) | $73,464,632 |
The median student at UMA Clearwater borrows $11,969 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,969 |
| Students who completed (graduates) | $14,743 |
| Students who withdrew | $7,682 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 UMA Clearwater.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,264 |
| 25th percentile | $5,855 |
| 75th percentile | $16,870 |
| 90th percentile (highest-debt students) | $21,195 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at UMA Clearwater.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at UMA Clearwater.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 756 | $5,000 |
| Completed (graduates) | 404 | $5,000 |
| Did not complete | 352 | $5,000 |
On a standard 10-year plan, the median completing borrower would pay about $59.46/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 UMA Clearwater.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 715 | $5,000 |
| No Stafford loan this year | 41 | $5,000 |
Repayment burden translates the debt figures into what a borrower actually pays each month. UMA Clearwater.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for UMA Clearwater appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.5% |
| Borrowers in the cohort | 2909 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $11,910 |
| Middle income | $12,688 |
| High income | $15,474 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $11,969 |
| Continuing-generation students | $12,236 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,879 |
| Independent students | $12,236 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at UMA Clearwater.
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.
Worth Knowing
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.