by our College Data Analytics TeamThis page focuses on the debt students take on to attend Center for Instruction Technology & Innovation— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At CiTi, 57% of incoming students take out a loan to help cover first-year costs, borrowing on average $4,071 per borrower, covering both private and federal loans.
The typical federal loan comes to $4,071, equal to roughly 74.0% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at CiTi, 76% use federal student loans to help pay for their education, at an average of $6,266 annually. That is 53.9% greater than the $4,071 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $12,532 across two years and $25,064 across a four-year program. 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 | $6,266 |
| Undergraduates with a federal loan | 16 |
| Total federal loans (one year) | $100,250 |
Graduating and withdrawing students at CiTi carry a median federal debt of $5,052 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,052 |
| Students who completed (graduates) | $7,695 |
| Students who withdrew | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for CiTi.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $3,458 |
| 75th percentile | $7,695 |
The indicators below describe what the typical debt costs to pay back at CiTi.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for CiTi is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.9% |
| Borrowers in the cohort | 51 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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.
Did You Know?
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.