by our College Data Analytics TeamHere you will find what students actually borrow to attend Universal Technical Institute-West Texas— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Universal Technical Institute-West Texas, 72% of incoming students take out a loan to help cover first-year costs, borrowing on average $9,114 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $6,791. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at Universal Technical Institute-West Texas (freshmen included), 63% use federal student loans to help pay for their education, with a mean of $6,647 in federal loans per year. That is 2.1% below the $6,791 typical freshmen borrow.
At a steady annual pace, that totals around $13,294 after two years and $26,588 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 63% |
| Average federal loan per year | $6,647 |
| Undergraduates with a federal loan | 910 |
| Total federal loans (one year) | $6,048,417 |
The median student at Universal Technical Institute-West Texas borrows $11,574 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,574 |
| Students who completed (graduates) | $14,267 |
| 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 Universal Technical Institute-West Texas.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at Universal Technical Institute-West Texas.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Universal Technical Institute-West Texas.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 2433 | $13,220 |
| Completed (graduates) | 1532 | $16,149 |
| Did not complete | 901 | $7,314 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $192.03/mo.
Federal data lets us separate Stafford borrowers from the rest at Universal Technical Institute-West Texas.
Stafford vs Non-Stafford (any year)
| 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. Universal Technical Institute-West Texas.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Universal Technical Institute-West Texas is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.1% |
| Borrowers in the cohort | 3156 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $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 |
Federal data publishes the following gap measures for Universal Technical Institute-West Texas.
The Difference Between 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.
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.