by our College Data Analytics TeamThis page focuses on the debt students take on to attend Aveda Institute - Phoenix— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At Aveda Institute - Phoenix, 38% of first-year students take on loan debt, borrowing on average $11,280 each, across private and federal loan sources.
On the federal side, the average loan is $11,280. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at Aveda Institute - Phoenix, 47% borrow through federal student loan programs, averaging $7,938 a year. This is 29.6% under the $11,280 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $15,876 over two years and about $31,752 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 47% |
| Average federal loan per year | $7,938 |
| Undergraduates with a federal loan | 177 |
| Total federal loans (one year) | $1,405,047 |
Graduating and withdrawing students at Aveda Institute - Phoenix carry a median federal debt of $6,333 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $3,649 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Aveda Institute - Phoenix.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,666 |
| 25th percentile | $6,333 |
| 75th percentile | $14,949 |
| 90th percentile (highest-debt students) | $17,666 |
How wide this percentile range is tells you how much borrowing varies across students at Aveda Institute - Phoenix.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Aveda Institute - Phoenix.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 86 | $9,054 |
The indicators below describe what the typical debt costs to pay back at Aveda Institute - Phoenix.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
| Middle income | $6,333 |
| High income | $6,333 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,333 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,333 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Aveda Institute - Phoenix.
Subsidized vs. Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
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.