by our College Data Analytics TeamThis page focuses on the debt students take on to attend Oehrlein School of Cosmetology: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
For incoming students at Oehrlein School of Cosmetology, 71% of first-year students take on loan debt, with a typical loan of $5,784 per borrower, covering both private and federal loans.
The average federal loan is $5,784. That sits at or beyond the $5,500 first-year federal limit 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.
Counting every undergraduate at Oehrlein School of Cosmetology, 65% rely on federal student loans toward their education, for a typical $5,687 each per year. This is 1.7% less than the $5,784 freshmen take on.
Carrying that yearly figure forward comes to roughly $11,374 across two years and $22,748 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 65% |
| Average federal loan per year | $5,687 |
| Undergraduates with a federal loan | 53 |
| Total federal loans (one year) | $301,435 |
The middle borrower at Oehrlein School of Cosmetology owes $9,833 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,833 |
| Students who completed (graduates) | $9,833 |
| Students who withdrew | $4,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Oehrlein School of Cosmetology.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $5,500 |
| 75th percentile | $9,925 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Oehrlein School of Cosmetology.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Oehrlein School of Cosmetology appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 49 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,833 |
| Independent students | $9,750 |
The Difference Between 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.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.