by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Utica University, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Utica College specifically, 74% of incoming students take out a loan to help cover first-year costs, at roughly $13,737 each, across private and federal loan sources.
The average federal loan is $10,802. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Utica College, 68% rely on federal student loans toward their education, with a mean of $10,589 per year. It comes to 2.0% less than the freshman federal average of $10,802.
Borrowing at that rate every year works out to about $21,178 in two years and roughly $42,356 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 68% |
| Average federal loan per year | $10,589 |
| Undergraduates with a federal loan | 1,689 |
| Total federal loans (one year) | $17,884,825 |
Graduating and withdrawing students at Utica College carry a median federal debt of $17,538 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $17,538 |
| Students who completed (graduates) | $22,500 |
| Students who withdrew | $8,750 |
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 Utica College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,914 |
| 25th percentile | $6,500 |
| 75th percentile | $26,000 |
| 90th percentile (highest-debt students) | $31,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Utica College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Utica College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 993 | $21,504 |
| Completed (graduates) | 524 | $25,500 |
| Did not complete | 469 | $17,849 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $303.22/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Utica College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 850 | $21,850 |
| No Stafford loan this year | 143 | $17,426 |
The indicators below describe what the typical debt costs to pay back at Utica College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Utica College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.7% |
| Borrowers in the cohort | 1053 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $16,244 |
| Middle income | $17,750 |
| High income | $18,750 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $17,563 |
| Continuing-generation students | $17,343 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $17,750 |
| Independent students | $16,813 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Utica College.
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.