by our College Data Analytics TeamHere you will find what students actually borrow to attend Concorde Career Institute-Orlando, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Concorde Career Institute - Orlando specifically, 57% of first-year students take on loan debt, at roughly $8,107 each, across private and federal loan sources.
The average federal loan is $6,691. This is at or above the $5,500 first-year federal borrowing cap that applies to 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.
Looking at all undergraduates at Concorde Career Institute - Orlando, freshmen included, 65% use federal student loans to help pay for their education, averaging $7,796 a year. That is 16.5% larger than the $6,691 typical freshmen borrow.
Repeating that yearly amount projects to about $15,592 after two years and $31,184 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 | 65% |
| Average federal loan per year | $7,796 |
| Undergraduates with a federal loan | 453 |
| Total federal loans (one year) | $3,531,644 |
The middle borrower at Concorde Career Institute - Orlando owes $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 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Concorde Career Institute - Orlando.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,668 |
| 25th percentile | $6,306 |
| 75th percentile | $15,132 |
| 90th percentile (highest-debt students) | $23,455 |
How wide this percentile range is tells you how much borrowing varies across students at Concorde Career Institute - Orlando.
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 Institute - Orlando.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 251 | $8,498 |
| Completed (graduates) | 180 | $9,556 |
| Did not complete | 71 | $6,267 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $113.63/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 Institute - Orlando.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 238 | — |
| No Stafford loan | 13 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 220 | $8,956 |
| No Stafford loan this year | 31 | $3,500 |
The indicators below describe what the typical debt costs to pay back at Concorde Career Institute - Orlando.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Concorde Career Institute - Orlando appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.1% |
| Borrowers in the cohort | 834 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $11,899 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,334 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Concorde Career Institute - Orlando.
Subsidized vs. 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
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.