University of Phoenix student loan data: what federal sources show

University of Phoenix student loan data should be reviewed through College Scorecard debt and repayment fields, paired with completion, net price and earnings. For University of Phoenix, the federal profile is University of Phoenix-Arizona, College Scorecard ID 484613.

What Scorecard reports

College Scorecard debt fields should be read with their definitions. A median debt value may describe a specific borrower group, such as undergraduate borrowers who completed, rather than every student who enrolled.

That distinction matters. Students who did not borrow, students who left without completing, students with private loans and Parent PLUS borrowers may fall outside a specific Scorecard debt field.

How to interpret debt values

A debt value should not be described as the amount every student owes. It should be tied to the borrower population, completion status and loan types included in the field.

For University of Phoenix, the College Scorecard profile should be checked before publication for current debt, repayment and monthly payment fields. The Scorecard glossary should also be used to define exactly what each loan field includes and excludes.

Completion and earnings context

Completion matters because a borrower who completes has a different repayment context than a borrower who leaves without completing. For University of Phoenix, the IPEDS 8-year Outcome Measures completion rate is 28%, representing the percentage of entering undergraduate students who completed an undergraduate credential within eight years. Because IPEDS measures are based on federally defined reporting populations, institutional graduation rates published in the University’s Academic Annual Report (AAR) should also be reviewed for a broader view of University of Phoenix student outcomes.

In the University’s 2025 Academic Annual Report, the 150% institutional graduation rate was 34.9% for bachelor’s students and 53.0% for master’s students. These institutional measures provide additional context for evaluating outcomes at an institution that serves many working adults and transfer students.

Presenting both measures provides more complete context for institutions serving working adults and transfer students.

Earnings also matter. Scorecard earnings data should be treated as a standardized federal field, not as a salary guarantee. Earnings are most useful when paired with debt and completion because debt shows obligation, earnings show repayment capacity and completion shows whether the credential was reached.

Borrowing is not the same as cost

Loan analysis should distinguish borrowing from cost. Some students pay through grants, employer assistance, personal funds, scholarships or transfer-credit savings and may borrow less than the published program cost suggests. Other students may borrow more because of living expenses or a longer path to completion.

A source-based loan analysis should avoid broad claims about all students. It should identify the exact federal loan field, the borrower group, the completion status and the relevant repayment context.

What this means for students

When reviewing University of Phoenix loan data, students should start with the College Scorecard profile for University of Phoenix-Arizona, College Scorecard ID 484613. The loan fields in Scorecard describe defined borrower groups, not every student who enrolls.

That matters because borrowing can look different depending on whether a student completed, whether the loans were federal or private, whether Parent PLUS loans are included, and how repayment is measured. Loan data is most useful when read with completion, repayment and earnings context.

Sources

College Scorecard, University of Phoenix-Arizona profile, College Scorecard ID 484613: https://collegescorecard.ed.gov/school/?484613-University-of-Phoenix-Arizona=

College Scorecard Data, Data Documentation and Glossary: https://collegescorecard.ed.gov/data/ and https://collegescorecard.ed.gov/data/glossary/

University of Phoenix student satisfaction and Outcome Measures information: https://www.phoenix.edu/about/student-satisfaction.html