by our College Data Analytics TeamThis page focuses on the debt students take on to attend Academy of Professional Cosmetology: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
For incoming students at Academy of Professional Cosmetology, 55% of incoming students take out a loan to help cover first-year costs, borrowing on average $4,891 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $4,891, representing 88.9% of the typical first-year dependent student borrowing cap of $5,500. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at Academy of Professional Cosmetology (freshmen included), 38% take out federal student loans, at an average of $4,901 each per year. It comes to 0.2% larger than the $4,891 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $9,802 over two years and about $19,604 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 38% |
| Average federal loan per year | $4,901 |
| Undergraduates with a federal loan | 77 |
| Total federal loans (one year) | $377,397 |
The middle borrower at Academy of Professional Cosmetology owes $4,750 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,750 |
| Students who completed (graduates) | $5,500 |
| Students who withdrew | $4,446 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Repayment burden translates the debt figures into what a borrower actually pays each month. Academy of Professional Cosmetology.
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 | $4,750 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,596 |
| Independent students | $6,211 |
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
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.