by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Upper Valley Educators Institute: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
The middle borrower at UVEI owes $12,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,500 |
These figures turn the debt totals into a monthly repayment picture for UVEI.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for UVEI appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.1% |
| Borrowers in the cohort | 12 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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.
Important to Remember
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.