by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Universal Technical Institute of California Inc, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At UTI Rancho Cucamonga, 78% of new students use loans toward freshman-year expenses, for an average of $8,983 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $6,812. 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.
Across the full undergraduate body at UTI Rancho Cucamonga (freshmen included), 67% finance part of their studies with federal loans, at an average of $6,699 a year. That is 1.7% lower than the $6,812 freshmen take on.
Carrying that yearly figure forward comes to roughly $13,398 after two years and $26,796 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 67% |
| Average federal loan per year | $6,699 |
| Undergraduates with a federal loan | 1,438 |
| Total federal loans (one year) | $9,632,816 |
Graduating and withdrawing students at UTI Rancho Cucamonga 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Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at UTI Rancho Cucamonga.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at UTI Rancho Cucamonga.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for UTI Rancho Cucamonga.
| 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.
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 Rancho Cucamonga.
Borrowers With Any Stafford Loan
| 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 |
The indicators below describe what the typical debt costs to pay back at UTI Rancho Cucamonga.
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 Rancho Cucamonga follows.
| 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 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,254 |
| Independent students | $10,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at UTI Rancho Cucamonga.
Subsidized vs. 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
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.