by our College Data Analytics TeamBelow is federal data on the loans students use to pay for CyberTex Institute of Technology— 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.
At CyberTex Institute of Technology, 86% of incoming undergraduates borrow in year one, borrowing on average $6,754 each, across private and federal loan sources.
The average federal loan is $6,500. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at CyberTex Institute of Technology, 65% use federal student loans to help pay for their education, with a mean of $6,496 annually. That amounts to 0.1% smaller than the $6,500 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $12,992 by year two and around $25,984 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 65% |
| Average federal loan per year | $6,496 |
| Undergraduates with a federal loan | 328 |
| Total federal loans (one year) | $2,130,647 |
The middle borrower at CyberTex Institute of Technology owes $6,776 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,776 |
| Students who completed (graduates) | $7,811 |
| Students who withdrew | $3,906 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for CyberTex Institute of Technology.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,759 |
| 25th percentile | $3,959 |
| 75th percentile | $7,781 |
| 90th percentile (highest-debt students) | $16,886 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at CyberTex Institute of Technology.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at CyberTex Institute of Technology.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 56 | $5,056 |
These figures turn the debt totals into a monthly repayment picture for CyberTex Institute of Technology.
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 | $6,776 |
| Middle income | $6,819 |
| High income | $5,040 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,776 |
| Continuing-generation students | $6,838 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,522 |
| Independent students | $6,860 |
Federal data publishes the following gap measures for CyberTex Institute of Technology.
The Difference Between 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
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.