by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Empire Beauty School-Union: 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 Empire Beauty School-Union, 64% of new students use loans toward freshman-year expenses, for an average of $7,233 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $7,233. This is at or above the $5,500 first-year federal borrowing cap that applies to 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.
Counting every undergraduate at Empire Beauty School-Union, 60% rely on federal student loans toward their education, borrowing on average $7,827 annually. That is 8.2% larger than the $7,233 borrowed by freshmen.
At a steady annual pace, that totals around $15,654 in two years and roughly $31,308 after four. 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 | $7,827 |
| Undergraduates with a federal loan | 113 |
| Total federal loans (one year) | $884,457 |
The median student at Empire Beauty School-Union borrows $7,667 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,667 |
| Students who completed (graduates) | $13,000 |
| 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.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Empire Beauty School-Union.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $12,120 |
| 90th percentile (highest-debt students) | $15,720 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Empire Beauty School-Union.
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-Union.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 309 | $6,761 |
| Completed (graduates) | 153 | $8,210 |
| Did not complete | 156 | $4,875 |
On a standard 10-year plan, the median completing borrower would pay about $97.63/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Empire Beauty School-Union.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 297 | — |
| No Stafford loan | 12 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 287 | $6,932 |
| No Stafford loan this year | 22 | $2,053 |
The indicators below describe what the typical debt costs to pay back at Empire Beauty School-Union.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Empire Beauty School-Union is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.0% |
| Borrowers in the cohort | 337 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,212 |
| Middle income | $7,667 |
| High income | $9,617 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,667 |
| Continuing-generation students | $9,173 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,646 |
| Independent students | $8,437 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Empire Beauty School-Union.
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.
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.