by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Concorde Career College-Dallas, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Concorde Career College - Dallas specifically, 80% of first-year students take on loan debt, for an average of $10,936 per borrower, covering both private and federal loans.
The average federal loan is $7,344. 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.
Across the full undergraduate body at Concorde Career College - Dallas (freshmen included), 76% borrow through federal student loan programs, averaging $7,390 annually. This works out to 0.6% higher than the $7,344 freshmen take on.
Carrying that yearly figure forward comes to roughly $14,780 after two years and $29,560 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 76% |
| Average federal loan per year | $7,390 |
| Undergraduates with a federal loan | 504 |
| Total federal loans (one year) | $3,724,326 |
Graduating and withdrawing students at Concorde Career College - Dallas carry a median federal debt of $9,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $5,500 |
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 Concorde Career College - Dallas.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,748 |
| 25th percentile | $6,003 |
| 75th percentile | $15,327 |
| 90th percentile (highest-debt students) | $20,892 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Concorde Career College - Dallas.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Concorde Career College - Dallas.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 326 | $9,000 |
| Completed (graduates) | 237 | $9,848 |
| Did not complete | 89 | $7,694 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $117.1/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Concorde Career College - Dallas.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 299 | $9,096 |
| No Stafford loan this year | 27 | $7,634 |
These figures turn the debt totals into a monthly repayment picture for Concorde Career College - Dallas.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Concorde Career College - Dallas appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.8% |
| Borrowers in the cohort | 818 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $9,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $13,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Concorde Career College - Dallas.
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.
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.