by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Florida Career College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
The middle borrower at Florida Career College owes $9,365 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,365 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,474 |
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 Florida Career College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,589 |
| 25th percentile | $4,572 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $11,824 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Florida Career College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Florida Career College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1476 | $8,267 |
| Completed (graduates) | 995 | $9,141 |
| Did not complete | 481 | $4,571 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $108.7/mo.
Federal data lets us separate Stafford borrowers from the rest at Florida Career College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1350 | $8,394 |
| No Stafford loan | 126 | $2,140 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1320 | $8,469 |
| No Stafford loan this year | 156 | $2,495 |
These figures turn the debt totals into a monthly repayment picture for Florida Career College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Florida Career College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.1% |
| Borrowers in the cohort | 4815 |
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 | $9,365 |
| Middle income | $9,365 |
| High income | $9,155 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,365 |
| Continuing-generation students | $9,365 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Florida Career College.
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.
Important to Remember
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.