by our College Data Analytics TeamBelow is federal data on the loans students use to pay for University of Fort Lauderdale, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At UFTL specifically, 13% of incoming students take out a loan to help cover first-year costs, with a typical loan of $7,500 each, across private and federal loan sources.
On the federal side, the average loan is $7,500. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at UFTL, 64% use federal student loans to help pay for their education, for a typical $6,357 annually. That amounts to 15.2% lower than the first-year federal average of $7,500.
Carrying that yearly figure forward comes to roughly $12,714 after two years and $25,428 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 | 64% |
| Average federal loan per year | $6,357 |
| Undergraduates with a federal loan | 149 |
| Total federal loans (one year) | $947,134 |
Graduating and withdrawing students at UFTL carry a median federal debt of $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
These figures turn the debt totals into a monthly repayment picture for UFTL.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for UFTL is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 1 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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.
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.