by our College Data Analytics TeamThis page focuses on the debt students take on to attend University of Phoenix-Texas— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Across the full undergraduate body at UOPX - Texas (freshmen included), 45% take out federal student loans, borrowing on average $9,455 per year.
At a steady annual pace, that totals around $18,910 over two years and about $37,820 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 45% |
| Average federal loan per year | $9,455 |
| Undergraduates with a federal loan | 9 |
| Total federal loans (one year) | $85,095 |
The median student at UOPX - Texas borrows $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 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for UOPX - Texas.
| 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 - Texas.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for UOPX - Texas.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 12024 | $10,000 |
| Completed (graduates) | 4246 | $9,327 |
| Did not complete | 7778 | $10,591 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $110.91/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at UOPX - Texas.
Any-Stafford Borrowers
| 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 |
These figures turn the debt totals into a monthly repayment picture for UOPX - Texas.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for UOPX - Texas appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.3% |
| Borrowers in the cohort | 239729 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,500 |
| Continuing-generation students | $17,970 |
By Dependency Status
| 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 - Texas.
The Difference Between Subsidized and 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.