by our College Data Analytics TeamThis page focuses on the debt students take on to attend Capilo School of Hair Design: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Among first-year students at Capilo School of Hair Design, 42% of freshmen borrow to help pay for their first year, at roughly $4,863 per borrower, covering both private and federal loans.
On the federal side, the average loan is $4,863, equal to roughly 88.4% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
For undergraduates overall at Capilo School of Hair Design, 40% use federal student loans to help pay for their education, borrowing on average $4,974 each per year. That is 2.3% higher than the freshman federal average of $4,863.
Borrowing the same amount each year would add up to roughly $9,948 by year two and around $19,896 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 40% |
| Average federal loan per year | $4,974 |
| Undergraduates with a federal loan | 118 |
| Total federal loans (one year) | $586,897 |
The median student at Capilo School of Hair Design borrows $6,333 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $7,700 |
| Students who withdrew | $4,486 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Capilo School of Hair Design.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,000 |
| 25th percentile | $4,376 |
| 75th percentile | $9,833 |
| 90th percentile (highest-debt students) | $16,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Capilo School of Hair Design.
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 Capilo School of Hair Design.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 33 | $9,845 |
The indicators below describe what the typical debt costs to pay back at Capilo School of Hair Design.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Capilo School of Hair Design follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 2 |
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 | $9,833 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,333 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,800 |
| Independent students | $7,972 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Capilo School of Hair Design.
Subsidized vs. 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.
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.