by our College Data Analytics TeamHere you will find what students actually borrow to attend University of Connecticut-Avery Point, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at University of Connecticut-Avery Point, 42% of new students use loans toward freshman-year expenses, averaging $7,049 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $5,150, which is 93.6% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
For undergraduates overall at University of Connecticut-Avery Point, 37% use federal student loans to help pay for their education, averaging $6,037 a year. This is 17.2% greater than the $5,150 typical freshmen borrow.
Borrowing at that rate every year works out to about $12,074 in two years and roughly $24,148 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 37% |
| Average federal loan per year | $6,037 |
| Undergraduates with a federal loan | 173 |
| Total federal loans (one year) | $1,044,424 |
Graduating and withdrawing students at University of Connecticut-Avery Point carry a median federal debt of $18,610 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $18,610 |
| Students who completed (graduates) | $21,500 |
| Students who withdrew | $8,750 |
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 University of Connecticut-Avery Point.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,250 |
| 25th percentile | $9,100 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $31,250 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at University of Connecticut-Avery Point.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at University of Connecticut-Avery Point.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 4082 | $30,417 |
| Completed (graduates) | 2985 | $35,324 |
| Did not complete | 1097 | $21,653 |
On a standard 10-year plan, the median completing borrower would pay about $420.04/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 University of Connecticut-Avery Point.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 3969 | $30,991 |
| No Stafford loan | 113 | $19,257 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 3649 | $31,293 |
| No Stafford loan this year | 433 | $25,000 |
The indicators below describe what the typical debt costs to pay back at University of Connecticut-Avery Point.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for University of Connecticut-Avery Point follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.2% |
| Borrowers in the cohort | 4931 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $16,000 |
| Middle income | $18,745 |
| High income | $19,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $18,000 |
| Continuing-generation students | $19,303 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $18,500 |
| Independent students | $19,791 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at University of Connecticut-Avery Point.
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.
Did You Know?
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.