by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Universal College of Healing Arts— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Looking at the entering class at Universal College of Healing Arts, 67% of incoming students take out a loan to help cover first-year costs, averaging $7,126 per borrower, covering both private and federal loans.
Federal loans alone average $7,126. This is at or above the $5,500 first-year federal borrowing cap that applies to 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.
Looking at all undergraduates at Universal College of Healing Arts, freshmen included, 67% rely on federal student loans toward their education, with a mean of $8,760 per year. That amounts to 22.9% above the $7,126 typical freshmen borrow.
Repeating that yearly amount projects to about $17,520 across two years and $35,040 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 67% |
| Average federal loan per year | $8,760 |
| Undergraduates with a federal loan | 18 |
| Total federal loans (one year) | $157,677 |
The middle borrower at Universal College of Healing Arts owes $10,303 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,303 |
| Students who completed (graduates) | $14,768 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Universal College of Healing Arts.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $6,069 |
| 75th percentile | $15,625 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Universal College of Healing Arts.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Universal College of Healing Arts is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.4% |
| Borrowers in the cohort | 27 |
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 | $8,467 |
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.
Important to Remember
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.