by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Universal Technical Institute of Arizona Inc, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at UTI Avondale, 73% of incoming undergraduates borrow in year one, with a typical loan of $8,646 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $6,374. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
For undergraduates overall at UTI Avondale, 58% rely on federal student loans toward their education, for a typical $6,092 per year. That amounts to 4.4% under the $6,374 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $12,184 across two years and $24,368 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 58% |
| Average federal loan per year | $6,092 |
| Undergraduates with a federal loan | 1,528 |
| Total federal loans (one year) | $9,308,380 |
Graduating and withdrawing students at UTI Avondale carry a median federal debt of $11,183 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,183 |
| Students who completed (graduates) | $13,124 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for UTI Avondale.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,450 |
| 25th percentile | $8,500 |
| 75th percentile | $20,000 |
| 90th percentile (highest-debt students) | $24,578 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at UTI Avondale.
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 Avondale.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 3221 | $14,740 |
| Completed (graduates) | 2157 | $17,670 |
| Did not complete | 1064 | $8,412 |
On a standard 10-year plan, the median completing borrower would pay about $210.12/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at UTI Avondale.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 3082 | $15,191 |
| No Stafford loan | 139 | $3,037 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 3052 | $15,212 |
| No Stafford loan this year | 169 | $3,391 |
Repayment burden translates the debt figures into what a borrower actually pays each month. UTI Avondale.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for UTI Avondale is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.8% |
| Borrowers in the cohort | 6862 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $10,827 |
| Middle income | $11,688 |
| High income | $11,495 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $11,168 |
| Continuing-generation students | $11,998 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,254 |
| Independent students | $10,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at UTI Avondale.
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.
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.