by our College Data Analytics TeamThis page focuses on the debt students take on to attend CBT Technology Institute-Hialeah, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At CBT College - Hialeah, 47% of first-year students take on loan debt, with a typical loan of $6,845 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $6,845. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at CBT College - Hialeah, freshmen included, 81% rely on federal student loans toward their education, borrowing on average $1,850 annually. This works out to 73.0% under the freshman federal average of $6,845.
At a steady annual pace, that totals around $3,700 across two years and $7,400 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 81% |
| Average federal loan per year | $1,850 |
| Undergraduates with a federal loan | 375 |
| Total federal loans (one year) | $693,750 |
The middle borrower at CBT College - Hialeah owes $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 |
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 CBT College - Hialeah.
| 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 - Hialeah.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for CBT College - Hialeah.
| 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 - Hialeah.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for CBT College - Hialeah 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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $8,500 |
| Middle income | $8,550 |
| High income | $9,500 |
First-Generation Comparison
| 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 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at CBT College - Hialeah.
The Difference Between 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.
Important to Remember
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.