by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Paul Mitchell the School Twin Falls: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Paul Mitchell the School Twin Falls, 88% of incoming undergraduates borrow in year one, for an average of $6,914 each — a figure that counts both private and federal student loans.
The average federally funded loan is $6,914. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Paul Mitchell the School Twin Falls, 60% take out federal student loans, averaging $6,783 each per year. It comes to 1.9% smaller than the freshman federal average of $6,914.
At a steady annual pace, that totals around $13,566 over two years and about $27,132 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 60% |
| Average federal loan per year | $6,783 |
| Undergraduates with a federal loan | 55 |
| Total federal loans (one year) | $373,042 |
Graduating and withdrawing students at Paul Mitchell the School Twin Falls carry a median federal debt of $4,750 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,750 |
| Students who withdrew | $2,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The indicators below describe what the typical debt costs to pay back at Paul Mitchell the School Twin Falls.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Paul Mitchell the School Twin Falls follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.7% |
| Borrowers in the cohort | 13 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $4,750 |
The Difference Between 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.
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.