by our College Data Analytics TeamThis page focuses on the debt students take on to attend Unitech Training Academy-Houma— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Unitech Training Academy-Houma, 89% of first-year students take on loan debt, borrowing on average $5,730 per borrower, covering both private and federal loans.
The typical federal loan comes to $5,639. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Unitech Training Academy-Houma, 82% take out federal student loans, borrowing on average $5,417 each per year. It comes to 3.9% less than the freshman federal average of $5,639.
Carrying that yearly figure forward comes to roughly $10,834 after two years and $21,668 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 82% |
| Average federal loan per year | $5,417 |
| Undergraduates with a federal loan | 194 |
| Total federal loans (one year) | $1,050,840 |
The middle borrower at Unitech Training Academy-Houma owes $6,859 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,859 |
| Students who completed (graduates) | $8,721 |
| Students who withdrew | $4,533 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Unitech Training Academy-Houma.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,748 |
| 25th percentile | $4,295 |
| 75th percentile | $9,990 |
| 90th percentile (highest-debt students) | $11,833 |
How wide this percentile range is tells you how much borrowing varies across students at Unitech Training Academy-Houma.
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 Unitech Training Academy-Houma.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 394 | $4,037 |
| Completed (graduates) | 286 | $4,162 |
| Did not complete | 108 | $3,159 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $49.49/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Unitech Training Academy-Houma.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 384 | — |
| No Stafford loan | 10 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 369 | $4,037 |
| No Stafford loan this year | 25 | $4,000 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Unitech Training Academy-Houma.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Unitech Training Academy-Houma appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 26.0% |
| Borrowers in the cohort | 929 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $7,480 |
| Middle income | $6,454 |
| High income | $5,496 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,748 |
| Continuing-generation students | $8,305 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,498 |
| Independent students | $8,395 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Unitech Training Academy-Houma.
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.