by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Paul Mitchell the School San Diego: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
For incoming students at Paul Mitchell the School San Diego, 45% of incoming undergraduates borrow in year one, at roughly $6,763 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $6,763. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Paul Mitchell the School San Diego, 33% borrow through federal student loan programs, for a typical $5,883 in federal loans per year. This works out to 13.0% lower than the $6,763 freshmen take on.
Repeating that yearly amount projects to about $11,766 across two years and $23,532 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 33% |
| Average federal loan per year | $5,883 |
| Undergraduates with a federal loan | 142 |
| Total federal loans (one year) | $835,348 |
Graduating and withdrawing students at Paul Mitchell the School San Diego carry a median federal debt of $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $13,000 |
| Students who withdrew | $5,949 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Paul Mitchell the School San Diego.
| 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 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Paul Mitchell the School San Diego.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Paul Mitchell the School San Diego.
| 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.
Federal data lets us separate Stafford borrowers from the rest at Paul Mitchell the School San Diego.
Current-Year Stafford Borrowers
| 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 San Diego.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Paul Mitchell the School San Diego appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.2% |
| Borrowers in the cohort | 957 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,584 |
| Independent students | $12,587 |
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.
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.