by our College Data Analytics TeamThis page focuses on the debt students take on to attend Baldwin Beauty School - South Austin— 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.
For incoming students at Baldwin Beauty School - South Austin, 55% of freshmen borrow to help pay for their first year, averaging $6,257 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $6,257. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Baldwin Beauty School - South Austin, 55% rely on federal student loans toward their education, averaging $4,863 a year. This is 22.3% less than the $6,257 borrowed by freshmen.
Repeating that yearly amount projects to about $9,726 by year two and around $19,452 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 | 55% |
| Average federal loan per year | $4,863 |
| Undergraduates with a federal loan | 41 |
| Total federal loans (one year) | $199,396 |
The middle borrower at Baldwin Beauty School - South Austin owes $5,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $6,980 |
| Students who withdrew | $3,974 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Baldwin Beauty School - South 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 - South Austin.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Baldwin Beauty School - South 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 - South Austin.
Borrowers With Any Stafford Loan
| 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 - South Austin.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Baldwin Beauty School - South Austin follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 0 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $4,959 |
| Middle income | $5,249 |
| High income | $7,916 |
First-Gen vs Continuing-Gen Borrowing
| 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 |
Federal data publishes the following gap measures for Baldwin Beauty School - South Austin.
The Difference Between 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
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.