by our College Data Analytics TeamHere you will find what students actually borrow to attend Paul Mitchell the School Phoenix— 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 Phoenix specifically, 96% of new students use loans toward freshman-year expenses, borrowing on average $9,229 each, across private and federal loan sources.
Federal loans alone average $7,237. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at Paul Mitchell the School Phoenix, 55% use federal student loans to help pay for their education, with a mean of $6,403 in federal loans per year. It comes to 11.5% less than the first-year federal average of $7,237.
Borrowing at that rate every year works out to about $12,806 by year two and around $25,612 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 55% |
| Average federal loan per year | $6,403 |
| Undergraduates with a federal loan | 131 |
| Total federal loans (one year) | $838,854 |
The middle borrower at Paul Mitchell the School Phoenix owes $11,200 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,200 |
| Students who completed (graduates) | $16,779 |
| Students who withdrew | $5,729 |
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 Phoenix.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $8,066 |
| 75th percentile | $17,667 |
| 90th percentile (highest-debt students) | $17,667 |
How wide this percentile range is tells you how much borrowing varies across students at Paul Mitchell the School Phoenix.
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 Phoenix.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 20 | $7,017 |
These figures turn the debt totals into a monthly repayment picture for Paul Mitchell the School Phoenix.
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 Phoenix follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.5% |
| Borrowers in the cohort | 8 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $12,792 |
| Middle income | $13,006 |
| High income | $10,556 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,556 |
| Independent students | $16,763 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Paul Mitchell the School Phoenix.
Subsidized vs. Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.