by our College Data Analytics TeamThis page focuses on the debt students take on to attend Paul Mitchell the School Orlando, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Paul Mitchell the School Orlando, 68% of freshmen borrow to help pay for their first year, at roughly $7,052 per borrower, covering both private and federal loans.
Federal loans alone average $7,052. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. 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 Paul Mitchell the School Orlando, freshmen included, 49% borrow through federal student loan programs, averaging $6,862 in federal loans per year. That is 2.7% lower than the $7,052 typical freshmen borrow.
Borrowing at that rate every year works out to about $13,724 over two years and about $27,448 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 49% |
| Average federal loan per year | $6,862 |
| Undergraduates with a federal loan | 117 |
| Total federal loans (one year) | $802,883 |
Graduating and withdrawing students at Paul Mitchell the School Orlando carry a median federal debt of $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $13,000 |
| Students who withdrew | $5,949 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Paul Mitchell the School Orlando.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,596 |
| 25th percentile | $5,500 |
| 75th percentile | $13,000 |
| 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 Orlando.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Paul Mitchell the School Orlando.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 265 | $7,900 |
| Completed (graduates) | 180 | $9,276 |
| Did not complete | 85 | $6,275 |
On a standard 10-year plan, the median completing borrower would pay about $110.3/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Paul Mitchell the School Orlando.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 23 | $8,925 |
| No Stafford loan this year | 242 | $7,500 |
These figures turn the debt totals into a monthly repayment picture for Paul Mitchell the School Orlando.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Paul Mitchell the School Orlando is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.2% |
| Borrowers in the cohort | 957 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,584 |
| Independent students | $12,587 |
Subsidized vs. 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.
Important to Remember
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.