by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Fortis College-Orange Park, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Fortis College - Orange Park, 83% of incoming students take out a loan to help cover first-year costs, with a typical loan of $8,988 each — a figure that counts both private and federal student loans.
Federal loans alone average $8,330. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at Fortis College - Orange Park, 73% borrow through federal student loan programs, with a mean of $7,774 a year. This works out to 6.7% below the $8,330 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $15,548 after two years and $31,096 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 | 73% |
| Average federal loan per year | $7,774 |
| Undergraduates with a federal loan | 241 |
| Total federal loans (one year) | $1,873,641 |
Graduating and withdrawing students at Fortis College - Orange Park carry a median federal debt of $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $11,238 |
| Students who withdrew | $7,193 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Fortis College - Orange Park.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,465 |
| 25th percentile | $7,056 |
| 75th percentile | $14,167 |
| 90th percentile (highest-debt students) | $22,454 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Fortis College - Orange Park.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Fortis College - Orange Park.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 79 | $6,807 |
| Completed (graduates) | 54 | $8,084 |
| Did not complete | 25 | $5,092 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $96.13/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 - Orange Park.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 69 | — |
| No Stafford loan this year | 10 | — |
These figures turn the debt totals into a monthly repayment picture for Fortis College - Orange Park.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Fortis College - Orange Park is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.2% |
| Borrowers in the cohort | 724 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $11,023 |
| High income | $8,010 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $11,545 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,176 |
| Independent students | $10,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Fortis College - Orange Park.
Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
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.