by our College Data Analytics TeamThis page focuses on the debt students take on to attend International School of Beauty Inc: 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.
Looking at the entering class at International School of Beauty, 59% of freshmen borrow to help pay for their first year, at roughly $2,563 per borrower, covering both private and federal loans.
The typical federal loan comes to $2,563, representing 46.6% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at International School of Beauty, 45% finance part of their studies with federal loans, at an average of $5,595 each per year. That is 118.3% greater than the freshman federal average of $2,563.
Borrowing at that rate every year works out to about $11,190 in two years and roughly $22,380 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 45% |
| Average federal loan per year | $5,595 |
| Undergraduates with a federal loan | 126 |
| Total federal loans (one year) | $705,009 |
Graduating and withdrawing students at International School of Beauty carry a median federal debt of $6,359 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,359 |
| Students who completed (graduates) | $7,083 |
| Students who withdrew | $4,056 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at International School of Beauty.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,062 |
| 25th percentile | $3,685 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $12,515 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at International School of Beauty.
Repayment burden translates the debt figures into what a borrower actually pays each month. International School of Beauty.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for International School of Beauty follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.6% |
| Borrowers in the cohort | 109 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $7,196 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at International School of Beauty.
Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.