by our College Data Analytics TeamThis page focuses on the debt students take on to attend Arkansas Beauty College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Arkansas Beauty College, 68% of first-year students take on loan debt, with a typical loan of $4,938 per student, private and federal loans combined.
The average federally funded loan is $4,938, equal to roughly 89.8% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Arkansas Beauty College, 56% rely on federal student loans toward their education, borrowing on average $4,497 in federal loans per year. That amounts to 8.9% under the freshman federal average of $4,938.
Repeating that yearly amount projects to about $8,994 across two years and $17,988 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 56% |
| Average federal loan per year | $4,497 |
| Undergraduates with a federal loan | 44 |
| Total federal loans (one year) | $197,887 |
The middle borrower at Arkansas Beauty College owes $7,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,000 |
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Arkansas Beauty College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $3,750 |
| 75th percentile | $9,500 |
These figures turn the debt totals into a monthly repayment picture for Arkansas Beauty College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Arkansas Beauty College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.1% |
| Borrowers in the cohort | 36 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The Difference Between 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.
Important to Remember
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.