by our College Data Analytics TeamThis page focuses on the debt students take on to attend Universal Technical Institute-Dallas Fort Worth: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Looking at the entering class at UTI Dallas, 80% of freshmen borrow to help pay for their first year, at roughly $9,206 per borrower, covering both private and federal loans.
The average federally funded loan is $7,016. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at UTI Dallas, freshmen included, 61% finance part of their studies with federal loans, borrowing on average $6,910 a year. That is 1.5% under the first-year federal average of $7,016.
Repeating that yearly amount projects to about $13,820 across two years and $27,640 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 61% |
| Average federal loan per year | $6,910 |
| Undergraduates with a federal loan | 1,410 |
| Total federal loans (one year) | $9,742,986 |
The median student at UTI Dallas borrows $11,574 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,574 |
| Students who completed (graduates) | $14,267 |
| 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.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for UTI Dallas.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $6,188 |
| 75th percentile | $18,084 |
| 90th percentile (highest-debt students) | $22,625 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at UTI Dallas.
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 UTI Dallas.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 2433 | $13,220 |
| Completed (graduates) | 1532 | $16,149 |
| Did not complete | 901 | $7,314 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $192.03/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at UTI Dallas.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 2279 | $13,743 |
| No Stafford loan | 154 | $2,927 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 2262 | $13,746 |
| No Stafford loan this year | 171 | $3,222 |
These figures turn the debt totals into a monthly repayment picture for UTI Dallas.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for UTI Dallas appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.1% |
| Borrowers in the cohort | 3156 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $11,166 |
| Middle income | $11,999 |
| High income | $11,899 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $11,188 |
| Continuing-generation students | $12,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,688 |
| Independent students | $10,594 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at UTI Dallas.
Subsidized vs. 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
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.