by our College Data Analytics TeamHere you will find what students actually borrow to attend Fortis College-Cincinnati: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
At Fortis College - Cincinnati specifically, 86% of incoming students take out a loan to help cover first-year costs, borrowing on average $8,722 each — a figure that counts both private and federal student loans.
Federal loans alone average $8,326. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. 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 Fortis College - Cincinnati, 78% use federal student loans to help pay for their education, for a typical $8,274 annually. This is 0.6% below the $8,326 freshmen take on.
Carrying that yearly figure forward comes to roughly $16,548 by year two and around $33,096 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 78% |
| Average federal loan per year | $8,274 |
| Undergraduates with a federal loan | 322 |
| Total federal loans (one year) | $2,664,266 |
The median student at Fortis College - Cincinnati borrows $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $12,547 |
| Students who withdrew | $6,334 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Fortis College - Cincinnati.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $6,167 |
| 75th percentile | $13,827 |
| 90th percentile (highest-debt students) | $24,083 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Fortis College - Cincinnati.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Fortis College - Cincinnati.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 658 | $6,398 |
| Completed (graduates) | 381 | $6,719 |
| Did not complete | 277 | $5,232 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $79.9/mo.
Federal data lets us separate Stafford borrowers from the rest at Fortis College - Cincinnati.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 648 | — |
| No Stafford loan | 10 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 624 | $6,381 |
| No Stafford loan this year | 34 | $6,537 |
These figures turn the debt totals into a monthly repayment picture for Fortis College - Cincinnati.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Fortis College - Cincinnati follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.2% |
| Borrowers in the cohort | 2721 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,643 |
| High income | $9,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,834 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,600 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Fortis College - Cincinnati.
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.
Worth Knowing
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.