by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Paul Mitchell the School North Haven: 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 Paul Mitchell the School North Haven, 85% of new students use loans toward freshman-year expenses, averaging $10,401 per borrower, covering both private and federal loans.
The average federally funded loan is $10,401. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at Paul Mitchell the School North Haven, freshmen included, 49% take out federal student loans, at an average of $6,323 annually. This works out to 39.2% under the $10,401 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $12,646 over two years and about $25,292 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 | 49% |
| Average federal loan per year | $6,323 |
| Undergraduates with a federal loan | 160 |
| Total federal loans (one year) | $1,011,619 |
The median student at Paul Mitchell the School North Haven borrows $6,333 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Paul Mitchell the School North Haven.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $7,439 |
| 75th percentile | $14,100 |
| 90th percentile (highest-debt students) | $16,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Paul Mitchell the School North Haven.
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 North Haven.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 64 | $7,520 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Paul Mitchell the School North Haven.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Paul Mitchell the School North Haven appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.8% |
| Borrowers in the cohort | 116 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
| Middle income | $6,333 |
| High income | $9,831 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $8,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,666 |
| Independent students | $6,333 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Paul Mitchell the School North Haven.
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?
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.