by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Empire Beauty School-Chandler— 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.
At Empire Beauty School-Chandler, 40% of first-year students take on loan debt, averaging $6,682 each, across private and federal loan sources.
The average federally funded loan is $6,682. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Across the full undergraduate body at Empire Beauty School-Chandler (freshmen included), 48% use federal student loans to help pay for their education, with a mean of $7,842 a year. That is 17.4% larger than the first-year federal average of $6,682.
Borrowing the same amount each year would add up to roughly $15,684 over two years and about $31,368 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 48% |
| Average federal loan per year | $7,842 |
| Undergraduates with a federal loan | 71 |
| Total federal loans (one year) | $556,787 |
The median student at Empire Beauty School-Chandler borrows $7,851 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,851 |
| Students who completed (graduates) | $10,667 |
| Students who withdrew | $4,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Empire Beauty School-Chandler.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $12,322 |
| 90th percentile (highest-debt students) | $14,604 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Empire Beauty School-Chandler.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Empire Beauty School-Chandler.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 465 | $6,605 |
| Completed (graduates) | 270 | $7,460 |
| Did not complete | 195 | $4,968 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $88.71/mo.
Federal data lets us separate Stafford borrowers from the rest at Empire Beauty School-Chandler.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 443 | $6,694 |
| No Stafford loan this year | 22 | $4,672 |
These figures turn the debt totals into a monthly repayment picture for Empire Beauty School-Chandler.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Empire Beauty School-Chandler appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.9% |
| Borrowers in the cohort | 316 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,667 |
| Middle income | $7,972 |
| High income | $7,917 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,667 |
| Continuing-generation students | $7,917 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,667 |
| Independent students | $7,917 |
Federal data publishes the following gap measures for Empire Beauty School-Chandler.
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.
Important to Remember
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.