Here you will find what students actually borrow to attend University of Management and Technology— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Among first-year students at University of Management and Technology, 0% of incoming students take out a loan to help cover first-year costs.
Looking at all undergraduates at University of Management and Technology, freshmen included, 7% use federal student loans to help pay for their education, borrowing on average $8,207 per year.
Carrying that yearly figure forward comes to roughly $16,414 over two years and about $32,828 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 | 7% |
| Average federal loan per year | $8,207 |
| Undergraduates with a federal loan | 21 |
| Total federal loans (one year) | $172,356 |
The median student at University of Management and Technology borrows $8,971 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,971 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at University of Management and Technology.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,333 |
| 25th percentile | $4,220 |
| 75th percentile | $20,814 |
| 90th percentile (highest-debt students) | $27,778 |
How wide this percentile range is tells you how much borrowing varies across students at University of Management and Technology.
The indicators below describe what the typical debt costs to pay back at University of Management and Technology.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $8,822 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at University of Management and Technology.
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.
Worth Knowing
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.