by our College Data Analytics TeamHere you will find what students actually borrow to attend Baldwin Beauty School - North Austin: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
For incoming students at Baldwin Beauty School - North Austin, 58% of first-year students take on loan debt, for an average of $5,023 per borrower, covering both private and federal loans.
On the federal side, the average loan is $5,023, which is 91.3% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Baldwin Beauty School - North Austin, 53% take out federal student loans, averaging $4,618 in federal loans per year. This is 8.1% lower than the freshman federal average of $5,023.
At a steady annual pace, that totals around $9,236 over two years and about $18,472 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 53% |
| Average federal loan per year | $4,618 |
| Undergraduates with a federal loan | 55 |
| Total federal loans (one year) | $253,997 |
The middle borrower at Baldwin Beauty School - North Austin owes $5,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $6,980 |
| Students who withdrew | $3,974 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Baldwin Beauty School - North Austin.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,062 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $11,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Baldwin Beauty School - North Austin.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Baldwin Beauty School - North Austin.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 25 | $8,531 |
Federal data lets us separate Stafford borrowers from the rest at Baldwin Beauty School - North Austin.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 15 | — |
| No Stafford loan | 10 | — |
The indicators below describe what the typical debt costs to pay back at Baldwin Beauty School - North Austin.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Baldwin Beauty School - North Austin appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 0 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $4,959 |
| Middle income | $5,249 |
| High income | $7,916 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,440 |
| Continuing-generation students | $7,667 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $5,595 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Baldwin Beauty School - North Austin.
Subsidized and 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.
Did You Know?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.