by our College Data Analytics TeamThis page focuses on the debt students take on to attend Universal Technical Institute-South Florida Miramar, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Universal Technical Institute-South Florida Miramar specifically, 79% of first-year students take on loan debt, averaging $8,946 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $6,463. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at Universal Technical Institute-South Florida Miramar, 74% borrow through federal student loan programs, borrowing on average $6,584 a year. That amounts to 1.9% higher than the $6,463 freshmen take on.
Carrying that yearly figure forward comes to roughly $13,168 across two years and $26,336 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 74% |
| Average federal loan per year | $6,584 |
| Undergraduates with a federal loan | 642 |
| Total federal loans (one year) | $4,227,164 |
The median student at Universal Technical Institute-South Florida Miramar borrows $11,183 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,183 |
| Students who completed (graduates) | $13,124 |
| Students who withdrew | $4,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Universal Technical Institute-South Florida Miramar.
| 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 Universal Technical Institute-South Florida Miramar.
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 Universal Technical Institute-South Florida Miramar.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 3221 | $14,740 |
| Completed (graduates) | 2157 | $17,670 |
| Did not complete | 1064 | $8,412 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of 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 Universal Technical Institute-South Florida Miramar.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 3082 | $15,191 |
| No Stafford loan | 139 | $3,037 |
Stafford This Year vs Not
| 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. Universal Technical Institute-South Florida Miramar.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Universal Technical Institute-South Florida Miramar is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.8% |
| Borrowers in the cohort | 6862 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| 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 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Universal Technical Institute-South Florida Miramar.
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.
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.