by our College Data Analytics TeamThis page focuses on the debt students take on to attend CBD College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Community Based Education and Development, 88% of incoming students take out a loan to help cover first-year costs, borrowing on average $9,991 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $7,413. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Community Based Education and Development, 67% use federal student loans to help pay for their education, borrowing on average $7,921 annually. This is 6.9% greater than the $7,413 freshmen take on.
At a steady annual pace, that totals around $15,842 in two years and roughly $31,684 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 67% |
| Average federal loan per year | $7,921 |
| Undergraduates with a federal loan | 1,327 |
| Total federal loans (one year) | $10,511,154 |
Graduating and withdrawing students at Community Based Education and Development carry a median federal debt of $16,733 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,733 |
| Students who completed (graduates) | $19,309 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Community Based Education and Development.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,400 |
| 25th percentile | $7,600 |
| 75th percentile | $18,763 |
| 90th percentile (highest-debt students) | $19,859 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Community Based Education and Development.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Community Based Education and Development.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 167 | $10,383 |
| Completed (graduates) | 137 | $10,906 |
| Did not complete | 30 | $6,294 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $129.68/mo.
The indicators below describe what the typical debt costs to pay back at Community Based Education and Development.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Community Based Education and Development appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.3% |
| Borrowers in the cohort | 184 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $16,733 |
| Middle income | $17,230 |
| High income | $15,848 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,000 |
| Continuing-generation students | $20,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $19,956 |
Federal data publishes the following gap measures for Community Based Education and Development.
The Difference Between 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.
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.