by our College Data Analytics TeamHere you will find what students actually borrow to attend Empire Beauty School-Littleton: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Empire Beauty School-Littleton, 38% of first-year students take on loan debt, averaging $6,938 per borrower, covering both private and federal loans.
The typical federal loan comes to $6,938. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at Empire Beauty School-Littleton, 43% finance part of their studies with federal loans, at an average of $7,094 each per year. This is 2.2% greater than the $6,938 typical freshmen borrow.
Repeating that yearly amount projects to about $14,188 by year two and around $28,376 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 | 43% |
| Average federal loan per year | $7,094 |
| Undergraduates with a federal loan | 31 |
| Total federal loans (one year) | $219,924 |
The median student at Empire Beauty School-Littleton borrows $6,222 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,222 |
| 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.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Empire Beauty School-Littleton.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $10,274 |
| 90th percentile (highest-debt students) | $12,953 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Empire Beauty School-Littleton.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Empire Beauty School-Littleton.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 385 | $5,000 |
| Completed (graduates) | 200 | $6,811 |
| Did not complete | 185 | $4,181 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $80.99/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Empire Beauty School-Littleton.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 368 | — |
| No Stafford loan | 17 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 352 | $5,000 |
| No Stafford loan this year | 33 | $3,838 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Empire Beauty School-Littleton.
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-Littleton is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.6% |
| Borrowers in the cohort | 900 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,222 |
| Middle income | $6,222 |
| High income | $6,152 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,222 |
| Continuing-generation students | $6,222 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,222 |
| Independent students | $7,925 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Empire Beauty School-Littleton.
The Difference Between Subsidized and 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.
Important to Remember
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.