by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Concorde Career College-Portland— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Concorde Career College - Portland, 81% of incoming students take out a loan to help cover first-year costs, for an average of $8,942 each — a figure that counts both private and federal student loans.
The average federal loan is $6,752. This reaches or tops the $5,500 first-year federal borrowing cap 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 Concorde Career College - Portland, freshmen included, 75% borrow through federal student loan programs, for a typical $7,100 per year. This works out to 5.2% larger than the first-year federal average of $6,752.
Borrowing the same amount each year would add up to roughly $14,200 by year two and around $28,400 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 75% |
| Average federal loan per year | $7,100 |
| Undergraduates with a federal loan | 488 |
| Total federal loans (one year) | $3,465,041 |
The median student at Concorde Career College - Portland borrows $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Concorde Career College - Portland.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $15,802 |
How wide this percentile range is tells you how much borrowing varies across students at Concorde Career College - Portland.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Concorde Career College - Portland.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 111 | $9,706 |
| Completed (graduates) | 89 | $9,542 |
| Did not complete | 22 | $10,086 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $113.46/mo.
These figures turn the debt totals into a monthly repayment picture for Concorde Career College - Portland.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Concorde Career College - Portland appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.0% |
| Borrowers in the cohort | 876 |
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 | $9,500 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
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 - Portland.
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.
Worth Knowing
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.