by our College Data Analytics TeamBelow is federal data on the loans students use to pay for University of Connecticut-Stamford: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Looking at the entering class at University of Connecticut-Stamford, 44% of incoming undergraduates borrow in year one, for an average of $8,696 each, across private and federal loan sources.
The typical federal loan comes to $5,169, representing 94.0% of the typical first-year dependent student borrowing cap of $5,500. 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 University of Connecticut-Stamford (freshmen included), 36% borrow through federal student loan programs, for a typical $6,173 in federal loans per year. That amounts to 19.4% above the $5,169 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $12,346 over two years and about $24,692 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 36% |
| Average federal loan per year | $6,173 |
| Undergraduates with a federal loan | 784 |
| Total federal loans (one year) | $4,839,580 |
The middle borrower at University of Connecticut-Stamford owes $18,610 in federal borrowing.
| 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.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at University of Connecticut-Stamford.
| 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 gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at University of Connecticut-Stamford.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at University of Connecticut-Stamford.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 4082 | $30,417 |
| Completed (graduates) | 2985 | $35,324 |
| Did not complete | 1097 | $21,653 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of 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-Stamford.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 3969 | $30,991 |
| No Stafford loan | 113 | $19,257 |
Current-Year Stafford Borrowers
| 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-Stamford.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for University of Connecticut-Stamford follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.2% |
| Borrowers in the cohort | 4931 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $16,000 |
| Middle income | $18,745 |
| High income | $19,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $18,000 |
| Continuing-generation students | $19,303 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $18,500 |
| Independent students | $19,791 |
Federal data publishes the following gap measures for University of Connecticut-Stamford.
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.
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.