by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Hogan Institute of Cosmetology and Esthetics: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Looking at the entering class at Hogan Institute of Cosmetology and Esthetics, 69% of incoming students take out a loan to help cover first-year costs, with a typical loan of $6,167 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $6,167. This reaches or tops the $5,500 first-year federal borrowing cap 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.
Among all degree-seeking undergrads at Hogan Institute of Cosmetology and Esthetics, 67% rely on federal student loans toward their education, averaging $5,804 a year. This is 5.9% lower than the $6,167 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $11,608 across two years and $23,216 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 67% |
| Average federal loan per year | $5,804 |
| Undergraduates with a federal loan | 70 |
| Total federal loans (one year) | $406,292 |
The median student at Hogan Institute of Cosmetology and Esthetics borrows $9,833 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,833 |
| Students who completed (graduates) | $10,666 |
| 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.
Repayment burden translates the debt figures into what a borrower actually pays each month. Hogan Institute of Cosmetology and Esthetics.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $10,083 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,222 |
| Continuing-generation students | $9,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,222 |
| Independent students | $10,666 |
Federal data publishes the following gap measures for Hogan Institute of Cosmetology and Esthetics.
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.
Worth Knowing
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.