by our College Data Analytics TeamHere you will find what students actually borrow to attend Unitech Training Academy-West Monroe: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Unitech Training Academy-West Monroe, 82% of freshmen borrow to help pay for their first year, borrowing on average $6,315 per student, private and federal loans combined.
The average federally funded loan is $6,315. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Unitech Training Academy-West Monroe, 80% finance part of their studies with federal loans, averaging $5,674 annually. That amounts to 10.2% smaller than the $6,315 borrowed by freshmen.
At a steady annual pace, that totals around $11,348 across two years and $22,696 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 80% |
| Average federal loan per year | $5,674 |
| Undergraduates with a federal loan | 297 |
| Total federal loans (one year) | $1,685,313 |
The median student at Unitech Training Academy-West Monroe borrows $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 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Unitech Training Academy-West Monroe.
| 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 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Unitech Training Academy-West Monroe.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Unitech Training Academy-West Monroe.
| 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.
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 Unitech Training Academy-West Monroe.
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 |
The indicators below describe what the typical debt costs to pay back at Unitech Training Academy-West Monroe.
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 Unitech Training Academy-West Monroe follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 26.0% |
| Borrowers in the cohort | 929 |
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 | $7,480 |
| Middle income | $6,454 |
| High income | $5,496 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,748 |
| Continuing-generation students | $8,305 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,498 |
| Independent students | $8,395 |
Federal data publishes the following gap measures for Unitech Training Academy-West Monroe.
Subsidized vs. 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.