by our College Data Analytics TeamThis page focuses on the debt students take on to attend Aveda Fredric’s Institute - Cincinnati— 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.
Among first-year students at Aveda Fredric’s Institute - Cincinnati, 81% of new students use loans toward freshman-year expenses, with a typical loan of $7,843 each — a figure that counts both private and federal student loans.
The average federal loan is $7,843. This meets or exceeds the $5,500 cap on first-year federal borrowing 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.
Counting every undergraduate at Aveda Fredric’s Institute - Cincinnati, 56% borrow through federal student loan programs, for a typical $7,484 per year. This is 4.6% less than the $7,843 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $14,968 in two years and roughly $29,936 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 | 56% |
| Average federal loan per year | $7,484 |
| Undergraduates with a federal loan | 398 |
| Total federal loans (one year) | $2,978,563 |
Graduating and withdrawing students at Aveda Fredric’s Institute - Cincinnati carry a median federal debt of $7,917 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,917 |
| Students who completed (graduates) | $7,917 |
| Students who withdrew | $3,958 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Aveda Fredric’s Institute - Cincinnati.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,000 |
| 25th percentile | $5,606 |
| 75th percentile | $11,640 |
| 90th percentile (highest-debt students) | $15,382 |
How wide this percentile range is tells you how much borrowing varies across students at Aveda Fredric’s Institute - Cincinnati.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Aveda Fredric’s Institute - Cincinnati.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 153 | $9,430 |
| Completed (graduates) | 130 | $10,148 |
| Did not complete | 23 | $6,664 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $120.67/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. Aveda Fredric’s Institute - Cincinnati.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Aveda Fredric’s Institute - Cincinnati follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.8% |
| Borrowers in the cohort | 104 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,917 |
| Middle income | $7,917 |
| High income | $8,257 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,917 |
| Continuing-generation students | $7,917 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,250 |
| Independent students | $7,917 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Aveda Fredric’s Institute - Cincinnati.
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.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.