by our College Data Analytics TeamThis page focuses on the debt students take on to attend Universal Technical Institute-Southern California, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For incoming students at UTI Long Beach, 75% of incoming undergraduates borrow in year one, at roughly $9,840 per student, private and federal loans combined.
The average federally funded loan is $7,107. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at UTI Long Beach, 60% finance part of their studies with federal loans, with a mean of $6,842 a year. That is 3.7% lower than the $7,107 borrowed by freshmen.
At a steady annual pace, that totals around $13,684 over two years and about $27,368 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 60% |
| Average federal loan per year | $6,842 |
| Undergraduates with a federal loan | 1,301 |
| Total federal loans (one year) | $8,900,793 |
The median student at UTI Long Beach 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 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for UTI Long Beach.
| 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 Long Beach.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at UTI Long Beach.
| 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.
Federal data lets us separate Stafford borrowers from the rest at UTI Long Beach.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 3082 | $15,191 |
| No Stafford loan | 139 | $3,037 |
Borrowers With a Stafford Loan This Year
| 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 Long Beach.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for UTI Long Beach appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.8% |
| Borrowers in the cohort | 6862 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $10,827 |
| Middle income | $11,688 |
| High income | $11,495 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $11,168 |
| Continuing-generation students | $11,998 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,254 |
| Independent students | $10,500 |
Federal data publishes the following gap measures for UTI Long Beach.
The Difference Between Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Worth Knowing
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.