+85%
Median federal debt at exit
Median federal debt at exit at Detroit Business Institute-Downriver rose 84% between 2012 and 2015 ($6.9k → $12.7k).
Michigan · Private for-profit · Predominantly certificates
Detroit Business Institute-Downriver
Riverview, Michigan. 141 undergraduate students. 2 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at Detroit Business Institute-Downriver
Short-arc shifts (recent 3-year window), peer outliers, earnings trend breaks, completion drops, enrollment cliffs, and debt-to-earnings warnings — surfaced deterministically from the federal record. Multi-decade shifts are reported separately in the Long Arc section, since 25-year tuition drift isn't really an anomaly.
-40%
Earnings trend · post-entry horizons
Earnings 10 years post-entry at Detroit Business Institute-Downriver are 40% below 6-year earnings ($44.3k → $26.7k).
+14%
In-state tuition
In-state tuition at Detroit Business Institute-Downriver rose 14% between 2007 and 2010 ($8.2k → $9.4k).
+14%
Out-of-state tuition
Out-of-state tuition at Detroit Business Institute-Downriver rose 14% between 2007 and 2010 ($8.2k → $9.4k).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. Michigan
Each tile compares this institution to the Michigan median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$26,702-40% · 6→10y
Michigan median $38,167$44,270
Treasury earnings · 6y post-entry100.0%-17% · '97→'09
Michigan median 57.1%$13,583+421% · '97→'15
At program completion141+7% · '96→'24
latest IPEDS100.0%+49% · '04→'24
first-time, full-time50.0%±0% · '02→'24
latest cohort—+42% · '01→'10
annualSECTION 02 · EARNINGS HORIZONS
How earnings spread, 4 to 10 years after entry
Treasury tax-record earnings for federally aided students who first enrolled at this institution. Each point is a horizon from the most-recent vintage. Single median per horizon (no p25/p75 publishing).
Earnings widen with time post-entry. Selection: federal-aid recipients only — not all graduates.Methodology →
SECTION 03 · DEBT-TO-EARNINGS
What loans cost relative to earnings
Annual debt service as a share of median earnings 10 years after entry, computed under federal Direct loan terms (10-year fixed at 6%). The 8% line is the gainful-employment threshold from federal regulation; above 12% has historically been considered “failing” under prior rule cycles.
Institution-wide
6.8%Median federal debt $13,583 amortized over 10 years vs. median earnings $26,702 (10y after entry).
SECTION 04 · LONG ARC
Ten-plus year arc
Federally available history. Coverage varies by metric — IPEDS publishes some series only after 2009 and others only before.
Undergraduate enrollment.
150%-time completion rate.
Median federal student debt at exit.
+49%
Detroit Business Institute-Downriver · retention rose
67.0% → 100.0%
+42%
Detroit Business Institute-Downriver · in-state tuition rose
$6,600 → $9,380
+42%
Detroit Business Institute-Downriver · out-of-state tuition rose
$6,600 → $9,380
+421%
Detroit Business Institute-Downriver · median debt rose
$2,433 → $12,684
-100%
Detroit Business Institute-Downriver · cohort default rate fell
24.4% → 0.0%
+57%
Detroit Business Institute-Downriver · earnings_median_8yr rose
$24,600 → $38,659
+93%
Detroit Business Institute-Downriver · earnings_median_6yr rose
$22,900 → $44,270
SECTION 05 · PROGRAMS
Ranked by 5-year earnings
Each row is one (CIP × credential) program reported by the institution in College Scorecard's Field-of-Study data. Cohort floor is 30 students; below this, federal data is suppressed.
SECTION 06 · BY CIP FAMILY
2 programs with earnings, grouped
Programs are grouped by 2-digit CIP family. Programs without reported earnings are hidden to keep the list focused.
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at Detroit Business Institute-Downriver
Pick a program. Cost from Scorecard net price by family income; earnings from Treasury 5-year-post-completion median, projected forward with a Mincer age-earnings curve. The selection-bias toggle applies the Dale-Krueger shrinkage. Outcomes illustration, not a forecast — see methodology.
Shrinks the earnings premium toward the matched-applicant mean. STEM <15%, business ~40%, arts & education ~60%.
NET PRESENT VALUE
$523,240
Over 40 years, discounted 5.0%
BREAKEVEN
Year 2
First year cumulative discounted earnings cross zero
- Cost per year
- $21,533
- HS-only baseline · MI
- $36,900
- Years to complete
- 1
- CIP family
- 51
Outcomes illustration · not a forecast. Projects observed Scorecard earnings forward with a Mincer age-earnings curve under your assumptions. See methodology for the math.
SECTION 07 · SIMILAR INSTITUTIONS
Same sector and degree mix in Michigan
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“Detroit Business Institute-Downriver graduates earn $X” — not “Detroit Business Institute-Downriver makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending Detroit Business Institute-Downriver caused. Selection effects (who admits, who enrolls, who completes) are real. We publish federal data with strict descriptive phrasing — and link the methodology where you can read about the limitations directly.