by our College Data Analytics TeamThis page focuses on the debt students take on to attend Paul Mitchell the School Birmingham— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
At Paul Mitchell the School Birmingham, 79% of incoming undergraduates borrow in year one, for an average of $7,501 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $7,501. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at Paul Mitchell the School Birmingham, 55% borrow through federal student loan programs, with a mean of $7,201 per year. This works out to 4.0% under the $7,501 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $14,402 in two years and roughly $28,804 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 55% |
| Average federal loan per year | $7,201 |
| Undergraduates with a federal loan | 87 |
| Total federal loans (one year) | $626,465 |
Graduating and withdrawing students at Paul Mitchell the School Birmingham carry a median federal debt of $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 | $5,063 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Paul Mitchell the School Birmingham.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $6,000 |
| 75th percentile | $16,500 |
| 90th percentile (highest-debt students) | $16,500 |
How wide this percentile range is tells you how much borrowing varies across students at Paul Mitchell the School Birmingham.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Paul Mitchell the School Birmingham.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 28 | $10,100 |
These figures turn the debt totals into a monthly repayment picture for Paul Mitchell the School Birmingham.
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 Paul Mitchell the School Birmingham follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.1% |
| Borrowers in the cohort | 69 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,833 |
| Middle income | $9,833 |
| High income | $9,833 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,833 |
| Continuing-generation students | $9,833 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,833 |
| Independent students | $13,000 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Paul Mitchell the School Birmingham.
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.
Important to Remember
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.