by our College Data Analytics TeamThis page focuses on the debt students take on to attend Cortiva Institute-Baltimore, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Cortiva Institute-Baltimore specifically, 35% of new students use loans toward freshman-year expenses, for an average of $4,631 each — a figure that counts both private and federal student loans.
Federal loans alone average $4,631, which is 84.2% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Across the full undergraduate body at Cortiva Institute-Baltimore (freshmen included), 53% use federal student loans to help pay for their education, borrowing on average $4,964 per year. This works out to 7.2% above the $4,631 freshmen take on.
Borrowing at that rate every year works out to about $9,928 by year two and around $19,856 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 53% |
| Average federal loan per year | $4,964 |
| Undergraduates with a federal loan | 249 |
| Total federal loans (one year) | $1,236,099 |
Graduating and withdrawing students at Cortiva Institute-Baltimore carry a median federal debt of $7,652 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,652 |
| Students who completed (graduates) | $7,785 |
| Students who withdrew | $3,893 |
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 Cortiva Institute-Baltimore.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,412 |
| 25th percentile | $4,034 |
| 75th percentile | $8,107 |
| 90th percentile (highest-debt students) | $8,107 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Cortiva Institute-Baltimore.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Cortiva Institute-Baltimore.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 67 | $8,000 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Cortiva Institute-Baltimore.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 57 | — |
| No Stafford loan this year | 10 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Cortiva Institute-Baltimore.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Cortiva Institute-Baltimore follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.8% |
| Borrowers in the cohort | 714 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,726 |
| Middle income | $7,652 |
| High income | $4,889 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,652 |
| Continuing-generation students | $7,785 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,507 |
| Independent students | $7,785 |
Federal data publishes the following gap measures for Cortiva Institute-Baltimore.
Subsidized vs. Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Worth Knowing
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.