by our College Data Analytics TeamThis page focuses on the debt students take on to attend Universal Technical Institute of Pennsylvania Inc: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at UTI Exton, 80% of new students use loans toward freshman-year expenses, at roughly $10,374 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $6,201. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at UTI Exton (freshmen included), 62% take out federal student loans, for a typical $5,965 in federal loans per year. This works out to 3.8% less than the first-year federal average of $6,201.
Borrowing at that rate every year works out to about $11,930 across two years and $23,860 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 | 62% |
| Average federal loan per year | $5,965 |
| Undergraduates with a federal loan | 809 |
| Total federal loans (one year) | $4,825,659 |
The median student at UTI Exton 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 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Exton.
| 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 Exton.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at UTI Exton.
| 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.
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 Exton.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 2279 | $13,743 |
| No Stafford loan | 154 | $2,927 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 2262 | $13,746 |
| No Stafford loan this year | 171 | $3,222 |
Repayment burden translates the debt figures into what a borrower actually pays each month. UTI Exton.
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 Exton is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.1% |
| Borrowers in the cohort | 3156 |
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.
Borrowing by Income Tier
| 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 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,688 |
| Independent students | $10,594 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at UTI Exton.
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.
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.