by our College Data Analytics TeamHere you will find what students actually borrow to attend United Education Institute-West Covina— 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 United Education Institute-West Covina, 95% of first-year students take on loan debt, at roughly $11,016 per borrower, covering both private and federal loans.
The typical federal loan comes to $7,365. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at United Education Institute-West Covina (freshmen included), 71% borrow through federal student loan programs, averaging $6,846 per year. This works out to 7.0% below the $7,365 borrowed by freshmen.
At a steady annual pace, that totals around $13,692 across two years and $27,384 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 71% |
| Average federal loan per year | $6,846 |
| Undergraduates with a federal loan | 1,242 |
| Total federal loans (one year) | $8,502,396 |
Graduating and withdrawing students at United Education Institute-West Covina carry a median federal debt of $9,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,360 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for United Education Institute-West Covina.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at United Education Institute-West Covina.
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 United Education Institute-West Covina.
| 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.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at United Education Institute-West Covina.
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-West Covina.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for United Education Institute-West Covina follows.
| 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.
By Family Income
| 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 |
Dependency-Status Comparison
| 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-West Covina.
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.
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.