by our College Data Analytics TeamThis page focuses on the debt students take on to attend Universal Technical Institute-Phoenix, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at UTI Phoenix, 70% of new students use loans toward freshman-year expenses, borrowing on average $9,296 each — a figure that counts both private and federal student loans.
The average federally funded loan is $7,049. That is at or past the $5,500 federal first-year limit for 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.
Across the full undergraduate body at UTI Phoenix (freshmen included), 52% finance part of their studies with federal loans, with a mean of $7,128 a year. That amounts to 1.1% higher than the first-year federal average of $7,049.
Repeating that yearly amount projects to about $14,256 after two years and $28,512 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 52% |
| Average federal loan per year | $7,128 |
| Undergraduates with a federal loan | 430 |
| Total federal loans (one year) | $3,065,129 |
The middle borrower at UTI Phoenix owes $10,247 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,247 |
| Students who completed (graduates) | $13,097 |
| Students who withdrew | $4,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for UTI Phoenix.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at UTI Phoenix.
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 Phoenix.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1711 | $12,673 |
| Completed (graduates) | 1181 | $15,223 |
| Did not complete | 530 | $7,285 |
On a standard 10-year plan, the median completing borrower would pay 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 Phoenix.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1638 | $13,154 |
| No Stafford loan | 73 | $2,836 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1624 | $13,202 |
| No Stafford loan this year | 87 | $3,248 |
Repayment burden translates the debt figures into what a borrower actually pays each month. UTI Phoenix.
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 Phoenix follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.7% |
| Borrowers in the cohort | 6217 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $10,588 |
| Middle income | $10,827 |
| High income | $10,239 |
By First-Generation Status
| 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 |
Federal data publishes the following gap measures for UTI Phoenix.
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.
Did You Know?
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.