Cosmetology at Cortiva Institute
Undergraduate Certificate or Diploma
Analysis
Cortiva Institute's cosmetology program stands out in Florida's crowded field—graduates earn $21,812 in their first year, landing in the 80th percentile statewide and the 91st percentile nationally. That's 30% above Florida's typical cosmetology graduate and well above the $17,113 national median. More impressive: students leave with just $6,333 in debt, less than two-thirds what Florida cosmetology students typically owe and far below the $9,862 national median. A 0.29 debt-to-earnings ratio means graduates could theoretically pay off their loans in under four months of work.
The caveat here matters: this data comes from a small cohort of fewer than 30 graduates, so individual circumstances could significantly swing these numbers. Still, the pattern is encouraging—strong earnings combined with controlled debt is exactly what you want in a vocational program. While Cortiva's outcomes trail the very best public technical colleges in Florida (where top performers see earnings approaching $30,000), the program delivers solid results at a price point that keeps financial risk manageable.
For students serious about cosmetology careers in Florida, Cortiva offers a credible path with limited downside. The debt load won't haunt them, and first-year earnings suggest the program adequately prepares graduates for the job market.
Where Cortiva Institute Stands
Earnings vs. debt across all cosmetology certificate's programs nationally
Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.
Earnings Distribution
How Cortiva Institute graduates compare to all programs nationally
Cortiva Institute graduates earn $22k, placing them in the 91th percentile of all cosmetology certificate programs nationally.
Compare to Similar Programs in Florida
Cosmetology certificate's programs at peer institutions in Florida (127 total in state)
| School | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|
| Cortiva Institute | $21,812 | — | $6,333 | 0.29 |
| Florida State College at Jacksonville | $29,668 | $16,935 | $13,577 | 0.46 |
| Palm Beach State College | $24,361 | $29,926 | $9,500 | 0.39 |
| Pensacola State College | $23,911 | $19,755 | $5,500 | 0.23 |
| Suncoast Technical College | $22,662 | — | — | — |
| Tom P. Haney Technical College | $22,028 | $18,101 | — | — |
| National Median | $17,113 | — | $9,862 | 0.58 |
Other Cosmetology Programs in Florida
Compare tuition, earnings, and debt across Florida schools
| School | In-State Tuition | Earnings (1yr) | Debt |
|---|---|---|---|
| Florida State College at Jacksonville Jacksonville | $2,878 | $29,668 | $13,577 |
| Palm Beach State College Lake Worth | $3,050 | $24,361 | $9,500 |
| Pensacola State College Pensacola | $2,348 | $23,911 | $5,500 |
| Suncoast Technical College Sarasota | — | $22,662 | — |
| Tom P. Haney Technical College Panama City | — | $22,028 | — |
About This Data
Source: U.S. Department of Education College Scorecard (October 2025 release)
Population: Graduates who received federal financial aid (Title IV grants or loans). At Cortiva Institute, approximately 41% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.
Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.
Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.
Sample Size: Based on 21 graduates with reported earnings and 24 graduates with debt data. Small samples may not be representative.