by our College Data Analytics TeamThis page focuses on the debt students take on to attend O’Briens Aveda Institute: 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.
For incoming students at O’Briens Aveda Institute, 47% of first-year students take on loan debt, averaging $10,027 per borrower, covering both private and federal loans.
The typical federal loan comes to $5,349, or about 97.3% of the $5,500 first-year borrowing cap for the typical first-year 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 O’Briens Aveda Institute, 13% rely on federal student loans toward their education, at an average of $5,345 annually. This is 0.1% smaller than the $5,349 freshmen take on.
Carrying that yearly figure forward comes to roughly $10,690 across two years and $21,380 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 | 13% |
| Average federal loan per year | $5,345 |
| Undergraduates with a federal loan | 24 |
| Total federal loans (one year) | $128,270 |
Graduating and withdrawing students at O’Briens Aveda Institute 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) | $6,333 |
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for O’Briens Aveda Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $9,500 |
| 75th percentile | $14,500 |
| 90th percentile (highest-debt students) | $16,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at O’Briens Aveda Institute.
The indicators below describe what the typical debt costs to pay back at O’Briens Aveda Institute.
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 O’Briens Aveda Institute follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.5% |
| Borrowers in the cohort | 24 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,333 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at O’Briens Aveda Institute.
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
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.