by our College Data Analytics TeamHere you will find what students actually borrow to attend Universal Technical Institute of Northern California Inc— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At UTI Sacramento specifically, 80% of incoming students take out a loan to help cover first-year costs, with a typical loan of $9,563 each, across private and federal loan sources.
On the federal side, the average loan is $6,786. This reaches or tops the $5,500 first-year federal borrowing cap 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.
Looking at all undergraduates at UTI Sacramento, freshmen included, 64% rely on federal student loans toward their education, averaging $6,857 each per year. It comes to 1.0% greater than the freshman federal average of $6,786.
Borrowing at that rate every year works out to about $13,714 in two years and roughly $27,428 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 64% |
| Average federal loan per year | $6,857 |
| Undergraduates with a federal loan | 1,021 |
| Total federal loans (one year) | $7,000,967 |
The median student at UTI Sacramento borrows $10,247 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,247 |
| Students who completed (graduates) | $13,097 |
| 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Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Sacramento.
| 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 Sacramento.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at UTI Sacramento.
| 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 Sacramento.
Stafford vs Non-Stafford (any year)
| 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 |
The indicators below describe what the typical debt costs to pay back at UTI Sacramento.
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 Sacramento is shown below.
| 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.
By Family Income
| 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 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at UTI Sacramento.
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.
Important to Remember
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.