by our College Data Analytics TeamHere you will find what students actually borrow to attend KC’s School of Hair Design, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at KC’s School of Hair Design, 42% of incoming students take out a loan to help cover first-year costs, averaging $3,815 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $3,815, which is 69.4% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at KC’s School of Hair Design, 36% rely on federal student loans toward their education, at an average of $3,987 in federal loans per year. That is 4.5% higher than the $3,815 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $7,974 by year two and around $15,948 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 36% |
| Average federal loan per year | $3,987 |
| Undergraduates with a federal loan | 35 |
| Total federal loans (one year) | $139,556 |
The median student at KC’s School of Hair Design borrows $6,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,500 |
| Students who completed (graduates) | $7,978 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at KC’s School of Hair Design.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $3,500 |
| 75th percentile | $10,500 |
These figures turn the debt totals into a monthly repayment picture for KC’s School of Hair Design.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for KC’s School of Hair Design follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 0 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,833 |
| Independent students | $5,000 |
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.
Worth Knowing
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.