by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Aveda Institute - Denver, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Aveda Institute - Denver, 67% of incoming students take out a loan to help cover first-year costs, with a typical loan of $5,726 each, across private and federal loan sources.
The average federally funded loan is $5,726. This meets or exceeds the $5,500 cap on first-year federal borrowing for 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.
Counting every undergraduate at Aveda Institute - Denver, 43% take out federal student loans, with a mean of $5,589 a year. That is 2.4% below the freshman federal average of $5,726.
At a steady annual pace, that totals around $11,178 over two years and about $22,356 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 43% |
| Average federal loan per year | $5,589 |
| Undergraduates with a federal loan | 221 |
| Total federal loans (one year) | $1,235,195 |
The middle borrower at Aveda Institute - Denver owes $6,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,500 |
| Students who completed (graduates) | $9,829 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Aveda Institute - Denver.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,033 |
| 25th percentile | $5,500 |
| 75th percentile | $16,000 |
| 90th percentile (highest-debt students) | $20,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Aveda Institute - Denver.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Aveda Institute - Denver.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 113 | $10,312 |
| Completed (graduates) | 93 | $10,937 |
| Did not complete | 20 | $5,841 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $130.05/mo.
The indicators below describe what the typical debt costs to pay back at Aveda Institute - Denver.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Aveda Institute - Denver appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.0% |
| Borrowers in the cohort | 50 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
| Middle income | $6,500 |
| High income | $9,831 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,450 |
| Continuing-generation students | $6,814 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,250 |
| Independent students | $6,333 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Aveda Institute - Denver.
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.
Worth Knowing
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.