by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Empire Beauty School-Green Bay, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Empire Beauty School-Green Bay, 57% of freshmen borrow to help pay for their first year, for an average of $6,599 per student, private and federal loans combined.
On the federal side, the average loan is $6,599. 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.
For undergraduates overall at Empire Beauty School-Green Bay, 52% take out federal student loans, at an average of $6,920 each per year. That is 4.9% above the $6,599 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $13,840 after two years and $27,680 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 52% |
| Average federal loan per year | $6,920 |
| Undergraduates with a federal loan | 73 |
| Total federal loans (one year) | $505,164 |
The median student at Empire Beauty School-Green Bay borrows $6,333 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $10,231 |
| 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-Green Bay.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $12,347 |
| 90th percentile (highest-debt students) | $16,000 |
How wide this percentile range is tells you how much borrowing varies across students at Empire Beauty School-Green Bay.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Empire Beauty School-Green Bay.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 265 | $6,222 |
| Completed (graduates) | 169 | $6,974 |
| Did not complete | 96 | $5,271 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $82.93/mo.
Federal data lets us separate Stafford borrowers from the rest at Empire Beauty School-Green Bay.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 252 | — |
| No Stafford loan this year | 13 | — |
These figures turn the debt totals into a monthly repayment picture for Empire Beauty School-Green Bay.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Empire Beauty School-Green Bay follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.8% |
| Borrowers in the cohort | 371 |
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 | $6,333 |
| Middle income | $7,418 |
| High income | $6,333 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,018 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,723 |
| Independent students | $6,333 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Empire Beauty School-Green Bay.
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.
Did You Know?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.