by our College Data Analytics TeamThis page focuses on the debt students take on to attend United Education Institute-Ontario: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at United Education Institute-Ontario, 97% of incoming students take out a loan to help cover first-year costs, averaging $11,691 each — a figure that counts both private and federal student loans.
The average federally funded loan is $8,514. This is at or above the $5,500 first-year federal borrowing cap that applies to 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.
Looking at all undergraduates at United Education Institute-Ontario, freshmen included, 75% rely on federal student loans toward their education, with a mean of $7,659 per year. That amounts to 10.0% smaller than the first-year federal average of $8,514.
Carrying that yearly figure forward comes to roughly $15,318 across two years and $30,636 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 75% |
| Average federal loan per year | $7,659 |
| Undergraduates with a federal loan | 1,236 |
| Total federal loans (one year) | $9,466,055 |
The median student at United Education Institute-Ontario borrows $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,360 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 United Education Institute-Ontario.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,480 |
| 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 United Education Institute-Ontario.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at United Education Institute-Ontario.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1431 | $7,741 |
| Completed (graduates) | 1025 | $7,843 |
| Did not complete | 406 | $3,922 |
On a standard 10-year plan, the median completing borrower would pay about $93.26/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 United Education Institute-Ontario.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1329 | $7,842 |
| No Stafford loan | 102 | $2,581 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1304 | $7,842 |
| No Stafford loan this year | 127 | $2,745 |
These figures turn the debt totals into a monthly repayment picture for United Education Institute-Ontario.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for United Education Institute-Ontario appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.0% |
| Borrowers in the cohort | 9731 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $9,500 |
| Middle income | $8,757 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at United Education Institute-Ontario.
Subsidized vs. 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.
Worth Knowing
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.