by our College Data Analytics TeamThis page focuses on the debt students take on to attend University of Phoenix-California, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Across the full undergraduate body at UOPX - California (freshmen included), 39% use federal student loans to help pay for their education, borrowing on average $9,219 a year.
Borrowing at that rate every year works out to about $18,438 across two years and $36,876 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 39% |
| Average federal loan per year | $9,219 |
| Undergraduates with a federal loan | 61 |
| Total federal loans (one year) | $562,377 |
Graduating and withdrawing students at UOPX - California carry a median federal debt of $16,690 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,690 |
| Students who completed (graduates) | $31,553 |
| Students who withdrew | $9,178 |
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 UOPX - California.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,442 |
| 25th percentile | $5,227 |
| 75th percentile | $31,067 |
| 90th percentile (highest-debt students) | $45,688 |
How wide this percentile range is tells you how much borrowing varies across students at UOPX - California.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for UOPX - California.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 12024 | $10,000 |
| Completed (graduates) | 4246 | $9,327 |
| Did not complete | 7778 | $10,591 |
On a standard 10-year plan, the median completing borrower would pay about $110.91/mo.
Federal data lets us separate Stafford borrowers from the rest at UOPX - California.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 11889 | $10,000 |
| No Stafford loan | 135 | $8,640 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 7472 | $8,000 |
| No Stafford loan this year | 4552 | $15,534 |
The indicators below describe what the typical debt costs to pay back at UOPX - California.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for UOPX - California follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.3% |
| Borrowers in the cohort | 239729 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $15,000 |
| Middle income | $19,953 |
| High income | $18,466 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,500 |
| Continuing-generation students | $17,970 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $13,141 |
| Independent students | $17,105 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at UOPX - California.
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.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.