by our College Data Analytics TeamThis page focuses on the debt students take on to attend Avalon School of Cosmetology - Phoenix, 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 Avalon School of Cosmetology - Phoenix, 95% of new students use loans toward freshman-year expenses, at roughly $8,995 per student, private and federal loans combined.
Federal loans alone average $8,995. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Avalon School of Cosmetology - Phoenix, freshmen included, 91% use federal student loans to help pay for their education, averaging $8,529 a year. That amounts to 5.2% lower than the $8,995 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $17,058 across two years and $34,116 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 91% |
| Average federal loan per year | $8,529 |
| Undergraduates with a federal loan | 461 |
| Total federal loans (one year) | $3,932,092 |
The median student at Avalon School of Cosmetology - Phoenix borrows $6,312 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,312 |
| Students who completed (graduates) | $6,332 |
| Students who withdrew | $3,167 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Avalon School of Cosmetology - Phoenix.
| 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 gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Avalon School of Cosmetology - Phoenix.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Avalon School of Cosmetology - Phoenix.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 241 | $6,409 |
| Completed (graduates) | 181 | $7,020 |
| Did not complete | 60 | $3,153 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $83.48/mo.
Federal data lets us separate Stafford borrowers from the rest at Avalon School of Cosmetology - Phoenix.
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 - Phoenix.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Avalon School of Cosmetology - Phoenix follows.
| 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.
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 | $6,285 |
| Middle income | $6,332 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,287 |
| Continuing-generation students | $6,332 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,332 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Avalon School of Cosmetology - Phoenix.
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.