by our College Data Analytics TeamHere you will find what students actually borrow to attend Fortis College-Baton Rouge— 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 Fortis College - Baton Rouge, 92% of incoming students take out a loan to help cover first-year costs, averaging $8,801 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $8,801. 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.
Across the full undergraduate body at Fortis College - Baton Rouge (freshmen included), 69% rely on federal student loans toward their education, averaging $7,888 a year. This works out to 10.4% less than the first-year federal average of $8,801.
Repeating that yearly amount projects to about $15,776 by year two and around $31,552 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 | 69% |
| Average federal loan per year | $7,888 |
| Undergraduates with a federal loan | 324 |
| Total federal loans (one year) | $2,555,618 |
The middle borrower at Fortis College - Baton Rouge owes $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $12,346 |
| Students who withdrew | $5,959 |
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 Fortis College - Baton Rouge.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $6,334 |
| 75th percentile | $13,992 |
| 90th percentile (highest-debt students) | $23,501 |
How wide this percentile range is tells you how much borrowing varies across students at Fortis College - Baton Rouge.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Fortis College - Baton Rouge.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 274 | $6,625 |
| Completed (graduates) | 145 | $7,030 |
| Did not complete | 129 | $5,666 |
On a standard 10-year plan, the median completing borrower would pay about $83.59/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 Fortis College - Baton Rouge.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 245 | $6,700 |
| No Stafford loan this year | 29 | $5,166 |
The indicators below describe what the typical debt costs to pay back at Fortis College - Baton Rouge.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Fortis College - Baton Rouge follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.0% |
| Borrowers in the cohort | 2637 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $10,727 |
| High income | $9,832 |
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 | $7,667 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Fortis College - Baton Rouge.
The Difference Between Subsidized and 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.
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.