by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Concorde Career College-Garden Grove, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Concorde Career College - Garden Grove, 75% of freshmen borrow to help pay for their first year, averaging $10,264 per student, private and federal loans combined.
Federal loans alone average $7,153. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Concorde Career College - Garden Grove, 79% finance part of their studies with federal loans, for a typical $10,716 each per year. That amounts to 49.8% higher than the $7,153 typical freshmen borrow.
Borrowing at that rate every year works out to about $21,432 by year two and around $42,864 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 79% |
| Average federal loan per year | $10,716 |
| Undergraduates with a federal loan | 529 |
| Total federal loans (one year) | $5,668,831 |
Graduating and withdrawing students at Concorde Career College - Garden Grove carry a median federal debt of $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $13,000 |
| Students who withdrew | $4,995 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Concorde Career College - Garden Grove.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,887 |
| 25th percentile | $6,749 |
| 75th percentile | $16,733 |
| 90th percentile (highest-debt students) | $25,250 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Concorde Career College - Garden Grove.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Concorde Career College - Garden Grove.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 175 | $10,665 |
| Completed (graduates) | 149 | $11,234 |
| Did not complete | 26 | $5,516 |
On a standard 10-year plan, the median completing borrower would pay about $133.58/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 - Garden Grove.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 165 | — |
| No Stafford loan this year | 10 | — |
These figures turn the debt totals into a monthly repayment picture for Concorde Career College - Garden Grove.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Concorde Career College - Garden Grove appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.0% |
| Borrowers in the cohort | 730 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $10,254 |
| High income | $11,127 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $17,178 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,500 |
| Independent students | $17,179 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Concorde Career College - Garden Grove.
Subsidized and 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.
Did You Know?
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.