by our College Data Analytics TeamHere you will find what students actually borrow to attend Unitek College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For incoming students at Unitek College, 62% of freshmen borrow to help pay for their first year, borrowing on average $10,616 per borrower, covering both private and federal loans.
Federal loans alone average $7,062. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at Unitek College (freshmen included), 59% use federal student loans to help pay for their education, borrowing on average $8,408 annually. It comes to 19.1% more than the $7,062 borrowed by freshmen.
Borrowing at that rate every year works out to about $16,816 over two years and about $33,632 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 59% |
| Average federal loan per year | $8,408 |
| Undergraduates with a federal loan | 4,122 |
| Total federal loans (one year) | $34,659,160 |
The median student at Unitek College borrows $9,769 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,769 |
| Students who completed (graduates) | $10,700 |
| Students who withdrew | $4,750 |
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 Unitek College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,255 |
| 25th percentile | $5,500 |
| 75th percentile | $13,403 |
| 90th percentile (highest-debt students) | $17,305 |
How wide this percentile range is tells you how much borrowing varies across students at Unitek College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Unitek College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 853 | $13,781 |
| Completed (graduates) | 699 | $14,795 |
| Did not complete | 154 | $12,276 |
On a standard 10-year plan, the median completing borrower would pay about $175.93/mo.
Federal data lets us separate Stafford borrowers from the rest at Unitek College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 834 | $14,209 |
| No Stafford loan | 19 | $6,003 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 716 | $14,978 |
| No Stafford loan this year | 137 | $8,244 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Unitek College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Unitek College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 80 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $10,700 |
| High income | $10,699 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $10,700 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,100 |
| Independent students | $12,795 |
Federal data publishes the following gap measures for Unitek College.
The Difference Between Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Worth Knowing
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.