by our College Data Analytics TeamBelow is federal data on the loans students use to pay for United Education Institute-UEI College San Marcos, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at United Education Institute-UEI College San Marcos, 87% of new students use loans toward freshman-year expenses, borrowing on average $11,593 per borrower, covering both private and federal loans.
The average federally funded loan is $7,669. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at United Education Institute-UEI College San Marcos, 64% finance part of their studies with federal loans, averaging $7,029 each per year. That amounts to 8.3% below the $7,669 freshmen take on.
Borrowing the same amount each year would add up to roughly $14,058 in two years and roughly $28,116 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 64% |
| Average federal loan per year | $7,029 |
| Undergraduates with a federal loan | 850 |
| Total federal loans (one year) | $5,974,510 |
The median student at United Education Institute-UEI College San Marcos borrows $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,360 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at United Education Institute-UEI College San Marcos.
| 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-UEI College San Marcos.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at United Education Institute-UEI College San Marcos.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1431 | $7,741 |
| Completed (graduates) | 1025 | $7,843 |
| Did not complete | 406 | $3,922 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $93.26/mo.
Federal data lets us separate Stafford borrowers from the rest at United Education Institute-UEI College San Marcos.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1329 | $7,842 |
| No Stafford loan | 102 | $2,581 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1304 | $7,842 |
| No Stafford loan this year | 127 | $2,745 |
Repayment burden translates the debt figures into what a borrower actually pays each month. United Education Institute-UEI College San Marcos.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for United Education Institute-UEI College San Marcos appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.0% |
| Borrowers in the cohort | 9731 |
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 | $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 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at United Education Institute-UEI College San Marcos.
Subsidized and 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.
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.