by our College Data Analytics TeamHere you will find what students actually borrow to attend Unitech Training Academy-Metairie— 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.
Looking at the entering class at Unitech Training Academy-Metairie, 90% of incoming students take out a loan to help cover first-year costs, at roughly $5,969 each, across private and federal loan sources.
The average federal loan is $5,969. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Unitech Training Academy-Metairie, 81% borrow through federal student loan programs, for a typical $5,875 a year. This works out to 1.6% below the $5,969 freshmen take on.
At a steady annual pace, that totals around $11,750 in two years and roughly $23,500 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 | 81% |
| Average federal loan per year | $5,875 |
| Undergraduates with a federal loan | 207 |
| Total federal loans (one year) | $1,216,190 |
Graduating and withdrawing students at Unitech Training Academy-Metairie carry a median federal debt of $6,859 in federal student loans.
| 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.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Unitech Training Academy-Metairie.
| 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-Metairie.
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-Metairie.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 394 | $4,037 |
| Completed (graduates) | 286 | $4,162 |
| Did not complete | 108 | $3,159 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $49.49/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Unitech Training Academy-Metairie.
Borrowers With Any Stafford Loan
| 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-Metairie.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Unitech Training Academy-Metairie 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.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| 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 |
Dependent vs Independent Borrowers
| 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-Metairie.
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.
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.