by our College Data Analytics TeamHere you will find what students actually borrow to attend Fortis Institute-Port Saint Lucie— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Fortis Institute - Port Saint Lucie, 90% of incoming undergraduates borrow in year one, borrowing on average $6,724 per borrower, covering both private and federal loans.
The typical federal loan comes to $6,645. This is at or above the $5,500 first-year federal borrowing cap that applies to 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.
For undergraduates overall at Fortis Institute - Port Saint Lucie, 80% rely on federal student loans toward their education, for a typical $7,382 each per year. That amounts to 11.1% above the freshman federal average of $6,645.
Carrying that yearly figure forward comes to roughly $14,764 across two years and $29,528 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 80% |
| Average federal loan per year | $7,382 |
| Undergraduates with a federal loan | 382 |
| Total federal loans (one year) | $2,819,755 |
Graduating and withdrawing students at Fortis Institute - Port Saint Lucie 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) | $12,346 |
| Students who withdrew | $5,959 |
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 Institute - Port Saint Lucie.
| 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 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Fortis Institute - Port Saint Lucie.
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 Institute - Port Saint Lucie.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 274 | $6,625 |
| Completed (graduates) | 145 | $7,030 |
| Did not complete | 129 | $5,666 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $83.59/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Fortis Institute - Port Saint Lucie.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 245 | $6,700 |
| No Stafford loan this year | 29 | $5,166 |
These figures turn the debt totals into a monthly repayment picture for Fortis Institute - Port Saint Lucie.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Fortis Institute - Port Saint Lucie follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.0% |
| Borrowers in the cohort | 2637 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $10,727 |
| High income | $9,832 |
First-Gen vs Continuing-Gen Borrowing
| 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 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Fortis Institute - Port Saint Lucie.
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.
Important to Remember
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.