by our College Data Analytics TeamHere you will find what students actually borrow to attend Career Networks Institute— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
For incoming students at CNI College, 59% of new students use loans toward freshman-year expenses, at roughly $7,001 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $7,001. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at CNI College (freshmen included), 76% use federal student loans to help pay for their education, for a typical $8,459 each per year. This is 20.8% more than the $7,001 typical freshmen borrow.
Repeating that yearly amount projects to about $16,918 in two years and roughly $33,836 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 76% |
| Average federal loan per year | $8,459 |
| Undergraduates with a federal loan | 1,051 |
| Total federal loans (one year) | $8,890,277 |
The middle borrower at CNI College owes $23,645 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $23,645 |
| Students who completed (graduates) | $25,899 |
| Students who withdrew | $6,363 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at CNI College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $10,267 |
| 75th percentile | $23,208 |
| 90th percentile (highest-debt students) | $27,347 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at CNI College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at CNI College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 64 | $15,373 |
The indicators below describe what the typical debt costs to pay back at CNI College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for CNI College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.2% |
| Borrowers in the cohort | 460 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $19,900 |
| Middle income | $27,986 |
| High income | $22,771 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $20,269 |
| Continuing-generation students | $27,444 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,071 |
| Independent students | $26,597 |
Federal data publishes the following gap measures for CNI College.
Subsidized and 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
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.