by our College Data Analytics TeamHere you will find what students actually borrow to attend Fortis College-Centerville— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At Fortis College - Centerville specifically, 88% of incoming students take out a loan to help cover first-year costs, borrowing on average $8,224 each — a figure that counts both private and federal student loans.
The average federal loan is $7,695. 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.
Across the full undergraduate body at Fortis College - Centerville (freshmen included), 81% borrow through federal student loan programs, averaging $8,010 each per year. That is 4.1% above the $7,695 freshmen take on.
Repeating that yearly amount projects to about $16,020 by year two and around $32,040 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 81% |
| Average federal loan per year | $8,010 |
| Undergraduates with a federal loan | 372 |
| Total federal loans (one year) | $2,979,715 |
Graduating and withdrawing students at Fortis College - Centerville carry a median federal debt of $12,949 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,949 |
| Students who completed (graduates) | $13,000 |
| Students who withdrew | $9,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Fortis College - Centerville.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $5,500 |
| 75th percentile | $21,990 |
| 90th percentile (highest-debt students) | $32,366 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Fortis College - Centerville.
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 Fortis College - Centerville.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 231 | $6,861 |
| Completed (graduates) | 117 | $8,000 |
| Did not complete | 114 | $5,414 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $95.13/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 - Centerville.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 219 | — |
| No Stafford loan this year | 12 | — |
These figures turn the debt totals into a monthly repayment picture for Fortis College - Centerville.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Fortis College - Centerville appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.1% |
| Borrowers in the cohort | 1787 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $12,667 |
| Middle income | $13,000 |
| High income | $12,950 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,667 |
| Continuing-generation students | $13,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,500 |
| Independent students | $13,000 |
Federal data publishes the following gap measures for Fortis College - Centerville.
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?
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.