by our College Data Analytics TeamHere you will find what students actually borrow to attend College of Business and Technology-Cutler Bay, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At CBT College - Cutler Bay specifically, 82% of first-year students take on loan debt, at roughly $3,500 per student, private and federal loans combined.
The average federal loan is $3,500, which is 63.6% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at CBT College - Cutler Bay, 88% finance part of their studies with federal loans, averaging $1,750 annually. This works out to 50.0% lower than the first-year federal average of $3,500.
Repeating that yearly amount projects to about $3,500 by year two and around $7,000 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 88% |
| Average federal loan per year | $1,750 |
| Undergraduates with a federal loan | 210 |
| Total federal loans (one year) | $367,500 |
The median student at CBT College - Cutler Bay borrows $8,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,500 |
| Students who completed (graduates) | $8,550 |
| Students who withdrew | $4,652 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at CBT College - Cutler Bay.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,150 |
| 25th percentile | $8,074 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $21,640 |
How wide this percentile range is tells you how much borrowing varies across students at CBT College - Cutler Bay.
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 CBT College - Cutler Bay.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 105 | $3,800 |
Repayment burden translates the debt figures into what a borrower actually pays each month. CBT College - Cutler Bay.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for CBT College - Cutler Bay is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.8% |
| Borrowers in the cohort | 632 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $8,500 |
| Middle income | $8,550 |
| High income | $9,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,500 |
| Continuing-generation students | $8,525 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,600 |
Federal data publishes the following gap measures for CBT College - Cutler Bay.
Subsidized and 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
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.