by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Capitol School of Hairstyling and Esthetics— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Looking at the entering class at Capitol School of Hairstyling and Esthetics, 56% of incoming undergraduates borrow in year one, with a typical loan of $6,798 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $6,798. 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 Capitol School of Hairstyling and Esthetics, 46% borrow through federal student loan programs, at an average of $6,812 per year. It comes to 0.2% larger than the $6,798 typical freshmen borrow.
At a steady annual pace, that totals around $13,624 by year two and around $27,248 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 46% |
| Average federal loan per year | $6,812 |
| Undergraduates with a federal loan | 131 |
| Total federal loans (one year) | $892,340 |
The middle borrower at Capitol School of Hairstyling and Esthetics owes $6,333 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,650 |
| Students who withdrew | $4,750 |
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 Capitol School of Hairstyling and Esthetics.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $3,666 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $11,352 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Capitol School of Hairstyling and Esthetics.
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 Capitol School of Hairstyling and Esthetics.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 48 | $7,747 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Capitol School of Hairstyling and Esthetics.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Capitol School of Hairstyling and Esthetics follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.0% |
| Borrowers in the cohort | 100 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $5,500 |
| Middle income | $6,333 |
| High income | $10,189 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,333 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,604 |
| Independent students | $6,333 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Capitol School of Hairstyling and Esthetics.
Subsidized and 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.
Did You Know?
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.