by our College Data Analytics TeamThis page focuses on the debt students take on to attend Fortis College - Dothan, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Fortis College - Dothan specifically, 91% of incoming undergraduates borrow in year one, at roughly $7,682 per student, private and federal loans combined.
Federal loans alone average $7,682. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Fortis College - Dothan, freshmen included, 68% borrow through federal student loan programs, with a mean of $7,165 in federal loans per year. It comes to 6.7% smaller than the first-year federal average of $7,682.
Borrowing at that rate every year works out to about $14,330 over two years and about $28,660 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 68% |
| Average federal loan per year | $7,165 |
| Undergraduates with a federal loan | 202 |
| Total federal loans (one year) | $1,447,263 |
Graduating and withdrawing students at Fortis College - Dothan carry a median federal debt of $9,396 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,396 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $6,320 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Fortis College - Dothan.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $5,717 |
| 75th percentile | $10,996 |
| 90th percentile (highest-debt students) | $14,250 |
How wide this percentile range is tells you how much borrowing varies across students at Fortis College - Dothan.
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 - Dothan.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 236 | $5,421 |
| Completed (graduates) | 121 | $5,950 |
| Did not complete | 115 | $4,806 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $70.75/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Fortis College - Dothan.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 212 | $5,394 |
| No Stafford loan this year | 24 | $7,973 |
These figures turn the debt totals into a monthly repayment picture for Fortis College - Dothan.
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 - Dothan appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.0% |
| Borrowers in the cohort | 254 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $9,262 |
| Middle income | $9,500 |
| High income | $8,466 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,340 |
| Continuing-generation students | $9,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Fortis College - Dothan.
Subsidized vs. 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
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.