by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Avalon School of Cosmetology - Layton— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At Avalon School of Cosmetology - Layton specifically, 78% of incoming students take out a loan to help cover first-year costs, averaging $7,443 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $7,443. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Avalon School of Cosmetology - Layton, 87% rely on federal student loans toward their education, for a typical $9,765 a year. This is 31.2% above the $7,443 freshmen take on.
At a steady annual pace, that totals around $19,530 in two years and roughly $39,060 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 87% |
| Average federal loan per year | $9,765 |
| Undergraduates with a federal loan | 240 |
| Total federal loans (one year) | $2,343,594 |
The middle borrower at Avalon School of Cosmetology - Layton owes $6,312 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,312 |
| Students who completed (graduates) | $6,332 |
| Students who withdrew | $3,167 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Avalon School of Cosmetology - Layton.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,537 |
| 25th percentile | $3,664 |
| 75th percentile | $9,495 |
| 90th percentile (highest-debt students) | $12,012 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Avalon School of Cosmetology - Layton.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Avalon School of Cosmetology - Layton.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 241 | $6,409 |
| Completed (graduates) | 181 | $7,020 |
| Did not complete | 60 | $3,153 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $83.48/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Avalon School of Cosmetology - Layton.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 230 | — |
| No Stafford loan this year | 11 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Avalon School of Cosmetology - Layton.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Avalon School of Cosmetology - Layton is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.9% |
| Borrowers in the cohort | 340 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,285 |
| Middle income | $6,332 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,287 |
| Continuing-generation students | $6,332 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,332 |
Federal data publishes the following gap measures for Avalon School of Cosmetology - Layton.
Subsidized and 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.
Did You Know?
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.