by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Concorde Career College-San Bernardino: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Concorde Career College - San Bernardino, 83% of incoming students take out a loan to help cover first-year costs, for an average of $8,628 each, across private and federal loan sources.
The average federal loan is $7,131. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at Concorde Career College - San Bernardino, 82% rely on federal student loans toward their education, with a mean of $6,871 each per year. This works out to 3.6% lower than the first-year federal average of $7,131.
Borrowing at that rate every year works out to about $13,742 across two years and $27,484 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 82% |
| Average federal loan per year | $6,871 |
| Undergraduates with a federal loan | 787 |
| Total federal loans (one year) | $5,407,383 |
The middle borrower at Concorde Career College - San Bernardino owes $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 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Bernardino.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $5,500 |
| 75th percentile | $14,720 |
| 90th percentile (highest-debt students) | $22,494 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Concorde Career College - San Bernardino.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Concorde Career College - San Bernardino.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 205 | $8,060 |
| Completed (graduates) | 160 | $8,617 |
| Did not complete | 45 | $6,643 |
On a standard 10-year plan, the median completing borrower would pay about $102.47/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 Bernardino.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 189 | — |
| No Stafford loan this year | 16 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Concorde Career College - San Bernardino.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Concorde Career College - San Bernardino follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.5% |
| Borrowers in the cohort | 850 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $10,253 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,334 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Concorde Career College - San Bernardino.
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?
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.