by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Paul Mitchell the School Reno: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Paul Mitchell the School Reno, 77% of incoming undergraduates borrow in year one, borrowing on average $7,582 each — a figure that counts both private and federal student loans.
The average federally funded loan is $7,582. This meets or exceeds the $5,500 cap on first-year federal borrowing 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.
For undergraduates overall at Paul Mitchell the School Reno, 47% take out federal student loans, averaging $7,232 in federal loans per year. That is 4.6% smaller than the $7,582 borrowed by freshmen.
Repeating that yearly amount projects to about $14,464 over two years and about $28,928 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 47% |
| Average federal loan per year | $7,232 |
| Undergraduates with a federal loan | 139 |
| Total federal loans (one year) | $1,005,196 |
The median student at Paul Mitchell the School Reno borrows $8,149 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,149 |
| Students who completed (graduates) | $10,500 |
| 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.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Paul Mitchell the School Reno.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $4,750 |
| 75th percentile | $12,000 |
| 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 Reno.
The indicators below describe what the typical debt costs to pay back at Paul Mitchell the School Reno.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $8,089 |
| High income | $6,667 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,339 |
| Continuing-generation students | $8,149 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,449 |
| Independent students | $6,616 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Paul Mitchell the School Reno.
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.
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.