by our College Data Analytics TeamThis page focuses on the debt students take on to attend Universal Technical Institute-Orlando— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at UTI Orlando, 74% of freshmen borrow to help pay for their first year, at roughly $8,772 apiece. This figure includes both private and federally funded student loans.
The average federally funded loan is $6,447. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at UTI Orlando, 55% finance part of their studies with federal loans, for a typical $6,690 in federal loans per year. This works out to 3.8% above the $6,447 typical freshmen borrow.
Borrowing at that rate every year works out to about $13,380 by year two and around $26,760 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 | 55% |
| Average federal loan per year | $6,690 |
| Undergraduates with a federal loan | 1,426 |
| Total federal loans (one year) | $9,539,903 |
The median student at UTI Orlando borrows $10,247 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,247 |
| Students who completed (graduates) | $13,097 |
| Students who withdrew | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at UTI Orlando.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,325 |
| 25th percentile | $9,000 |
| 75th percentile | $18,688 |
| 90th percentile (highest-debt students) | $22,507 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at UTI Orlando.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for UTI Orlando.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1711 | $12,673 |
| Completed (graduates) | 1181 | $15,223 |
| Did not complete | 530 | $7,285 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $181.02/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 UTI Orlando.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1638 | $13,154 |
| No Stafford loan | 73 | $2,836 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1624 | $13,202 |
| No Stafford loan this year | 87 | $3,248 |
These figures turn the debt totals into a monthly repayment picture for UTI Orlando.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for UTI Orlando follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.7% |
| Borrowers in the cohort | 6217 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $10,588 |
| Middle income | $10,827 |
| High income | $10,239 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,375 |
| Continuing-generation students | $10,239 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,239 |
| Independent students | $12,242 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at UTI Orlando.
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.
Worth Knowing
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.