by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Universidad Teologica del Caribe— 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.
At UTC specifically, 0% of incoming undergraduates borrow in year one.
For undergraduates overall at UTC, 67% rely on federal student loans toward their education, with a mean of $4,986 annually.
Borrowing the same amount each year would add up to roughly $9,972 after two years and $19,944 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 67% |
| Average federal loan per year | $4,986 |
| Undergraduates with a federal loan | 128 |
| Total federal loans (one year) | $638,220 |
Graduating and withdrawing students at UTC carry a median federal debt of $5,750 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,750 |
| Students who completed (graduates) | $12,050 |
| Students who withdrew | $4,500 |
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 UTC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $4,054 |
| 75th percentile | $13,125 |
The indicators below describe what the typical debt costs to pay back at UTC.
These pre-calculated indicators summarize the borrowing gaps between cohorts at UTC.
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.