by our College Data Analytics TeamThis page focuses on the debt students take on to attend Concorde Career College-San Antonio— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At Concorde Career College - San Antonio, 75% of incoming undergraduates borrow in year one, averaging $7,785 each, across private and federal loan sources.
On the federal side, the average loan is $6,549. That sits at or beyond the $5,500 first-year federal limit 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 Concorde Career College - San Antonio, 73% take out federal student loans, at an average of $7,294 a year. This is 11.4% more than the $6,549 freshmen take on.
Repeating that yearly amount projects to about $14,588 after two years and $29,176 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 73% |
| Average federal loan per year | $7,294 |
| Undergraduates with a federal loan | 416 |
| Total federal loans (one year) | $3,034,211 |
The middle borrower at Concorde Career College - San Antonio owes $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Concorde Career College - San Antonio.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,819 |
| 25th percentile | $6,000 |
| 75th percentile | $11,253 |
| 90th percentile (highest-debt students) | $24,375 |
How wide this percentile range is tells you how much borrowing varies across students at Concorde Career College - San Antonio.
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 Concorde Career College - San Antonio.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 324 | $8,326 |
| Completed (graduates) | 256 | $9,292 |
| Did not complete | 68 | $5,654 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $110.49/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 - San Antonio.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 305 | $8,818 |
| No Stafford loan | 19 | $3,635 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 288 | $8,987 |
| No Stafford loan this year | 36 | $4,383 |
These figures turn the debt totals into a monthly repayment picture for Concorde Career College - San Antonio.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Concorde Career College - San Antonio is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.2% |
| Borrowers in the cohort | 846 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $10,503 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Concorde Career College - San Antonio.
Subsidized vs. 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?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.