by our College Data Analytics TeamThis page focuses on the debt students take on to attend Empire Beauty School-Dixie: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
At Empire Beauty School-Dixie specifically, 70% of new students use loans toward freshman-year expenses, with a typical loan of $8,168 per student, private and federal loans combined.
On the federal side, the average loan is $8,168. That sits at or beyond the $5,500 first-year federal limit for a typical 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.
Looking at all undergraduates at Empire Beauty School-Dixie, freshmen included, 60% borrow through federal student loan programs, at an average of $8,314 in federal loans per year. This is 1.8% larger than the first-year federal average of $8,168.
Carrying that yearly figure forward comes to roughly $16,628 over two years and about $33,256 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 | 60% |
| Average federal loan per year | $8,314 |
| Undergraduates with a federal loan | 115 |
| Total federal loans (one year) | $956,082 |
Graduating and withdrawing students at Empire Beauty School-Dixie carry a median federal debt of $6,756 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,756 |
| Students who completed (graduates) | $10,667 |
| 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 Empire Beauty School-Dixie.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $11,771 |
| 90th percentile (highest-debt students) | $15,051 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Empire Beauty School-Dixie.
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 Empire Beauty School-Dixie.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 366 | $6,247 |
| Completed (graduates) | 200 | $7,471 |
| Did not complete | 166 | $5,254 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $88.84/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Empire Beauty School-Dixie.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 355 | — |
| No Stafford loan | 11 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 337 | $6,428 |
| No Stafford loan this year | 29 | $5,546 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Empire Beauty School-Dixie.
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 Empire Beauty School-Dixie follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.0% |
| Borrowers in the cohort | 236 |
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 | $6,638 |
| Middle income | $7,334 |
| High income | $7,389 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,646 |
| Continuing-generation students | $7,389 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,222 |
| Independent students | $7,389 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Empire Beauty School-Dixie.
Subsidized vs. Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Worth Knowing
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.