by our College Data Analytics TeamThis page focuses on the debt students take on to attend CBT Technology Institute-Main Campus: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At CBT College - Flagler specifically, 98% of incoming undergraduates borrow in year one, borrowing on average $7,000 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $7,000. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at CBT College - Flagler, 100% rely on federal student loans toward their education, for a typical $1,844 a year. That amounts to 73.7% less than the $7,000 typical freshmen borrow.
Borrowing at that rate every year works out to about $3,688 over two years and about $7,376 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 100% |
| Average federal loan per year | $1,844 |
| Undergraduates with a federal loan | 412 |
| Total federal loans (one year) | $759,730 |
The median student at CBT College - Flagler borrows $8,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,500 |
| Students who completed (graduates) | $8,550 |
| Students who withdrew | $4,652 |
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 CBT College - Flagler.
| 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 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at CBT College - Flagler.
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 - Flagler.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 105 | $3,800 |
The indicators below describe what the typical debt costs to pay back at CBT College - Flagler.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for CBT College - Flagler appears 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 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,600 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at CBT College - Flagler.
Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
Worth Knowing
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.