Universal Training Institute
For-profit College in Perth Amboy, NJ.
- ✓ 3-year loan default 0.0% — below national benchmark
Academics
The federal six-year graduation rate is not published here — typically because the entering cohort this measure follows is too small or too atypical to report. Treat completion as unknown rather than assuming either direction. Retention of 79% means a meaningful slice of each entering class does not return. The 30:1 student-faculty ratio is high, so large classes and limited faculty contact should be the expectation. This is a for-profit short-program school. That is not disqualifying, but it does mean verifying accreditation, transferability of credits, and job-placement claims directly rather than trusting the category. At 213 undergraduates, expect a small, closely-held student body.
Financial Aid
IPEDS Student Financial Aid · 2023-24 · grant and loan rates against 213 degree- or certificate-seeking undergraduates
Net price averages $43,945 annually, so cost is the first thing to weigh here. Income makes less difference than usual: $45,307 at $0–30k, $49,145 at $110k+. 57% of students receive grant aid, averaging $4,226 — common but not automatic. 72% of students borrow federally, so debt is the norm rather than the exception.
Entering first-year students
A different, smaller group than the rates above: full-time students in their first year of college anywhere. The grant series here also excludes the "other sources" counted in the all-undergraduate figure, so the two are not comparable.
IPEDS Student Financial Aid · 2023-24 · 104 students
Net price by family income
The same students as the headline above, limited to those who received Title IV federal aid — a narrower group, with a lower overall average. IPEDS publishes no combined figure across these bands, so they should not be averaged into one.
| Family income band | Average net price |
|---|---|
| $0–30k | $45,307 |
| $30–48k | $45,974 |
| $48–75k | $45,829 |
| $75–110k | $48,156 |
| $110k+ | $49,145 |
IPEDS Student Financial Aid · 2023-24
Federal student loans went to 154 of these 213 students, totalling $903,964 — an average of $5,870 each.
IPEDS Student Financial Aid · 2023-24
Local housing costs
Typical rents near campus (Middlesex County) — budget these against any cost-of-attendance housing estimate.
HUD Fair Market Rents (40th-percentile gross rent incl. utilities) · FY2026