by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Northwest College School of Beauty - Beaverton, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For incoming students at NWC Beaverton, 64% of first-year students take on loan debt, at roughly $5,350 each, across private and federal loan sources.
On the federal side, the average loan is $5,350, which is 97.3% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at NWC Beaverton, freshmen included, 55% borrow through federal student loan programs, with a mean of $5,502 a year. It comes to 2.8% greater than the freshman federal average of $5,350.
Borrowing the same amount each year would add up to roughly $11,004 after two years and $22,008 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 55% |
| Average federal loan per year | $5,502 |
| Undergraduates with a federal loan | 53 |
| Total federal loans (one year) | $291,591 |
Graduating and withdrawing students at NWC Beaverton carry a median federal debt of $6,333 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $7,564 |
| Students who withdrew | $4,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at NWC Beaverton.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,666 |
| 25th percentile | $5,971 |
| 75th percentile | $17,441 |
| 90th percentile (highest-debt students) | $26,945 |
How wide this percentile range is tells you how much borrowing varies across students at NWC Beaverton.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for NWC Beaverton.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 37 | $6,477 |
The indicators below describe what the typical debt costs to pay back at NWC Beaverton.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for NWC Beaverton appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.1% |
| Borrowers in the cohort | 267 |
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 | $6,333 |
| Middle income | $7,983 |
| High income | $6,333 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,333 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,333 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at NWC Beaverton.
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.
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.