by our College Data Analytics TeamBelow is federal data on the loans students use to pay for CDE Career Institute, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at CDE Career Institute, 100% of incoming undergraduates borrow in year one, averaging $6,332 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $6,332. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. 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 CDE Career Institute, 97% finance part of their studies with federal loans, borrowing on average $6,512 per year. This is 2.8% more than the $6,332 borrowed by freshmen.
At a steady annual pace, that totals around $13,024 after two years and $26,048 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 97% |
| Average federal loan per year | $6,512 |
| Undergraduates with a federal loan | 371 |
| Total federal loans (one year) | $2,416,074 |
Graduating and withdrawing students at CDE Career Institute carry a median federal debt of $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 CDE Career Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $4,750 |
| 75th percentile | $8,900 |
The indicators below describe what the typical debt costs to pay back at CDE Career Institute.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for CDE Career Institute follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.6% |
| Borrowers in the cohort | 30 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at CDE Career Institute.
Subsidized vs. 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
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.