by our College Data Analytics TeamHere you will find what students actually borrow to attend Paul Mitchell the School Temecula, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Paul Mitchell the School Temecula, 66% of new students use loans toward freshman-year expenses, for an average of $7,191 each — a figure that counts both private and federal student loans.
Federal loans alone average $7,191. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. 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 Temecula, freshmen included, 62% borrow through federal student loan programs, with a mean of $5,345 per year. That amounts to 25.7% lower than the freshman federal average of $7,191.
Carrying that yearly figure forward comes to roughly $10,690 by year two and around $21,380 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 | 62% |
| Average federal loan per year | $5,345 |
| Undergraduates with a federal loan | 300 |
| Total federal loans (one year) | $1,603,441 |
The median student at Paul Mitchell the School Temecula borrows $10,556 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,556 |
| Students who completed (graduates) | $12,858 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Paul Mitchell the School Temecula.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $7,968 |
| 75th percentile | $17,667 |
| 90th percentile (highest-debt students) | $17,667 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Paul Mitchell the School Temecula.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Paul Mitchell the School Temecula.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 104 | $9,327 |
| Completed (graduates) | 74 | $11,520 |
| Did not complete | 30 | $6,389 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $136.99/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Paul Mitchell the School Temecula.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 90 | — |
| No Stafford loan this year | 14 | — |
These figures turn the debt totals into a monthly repayment picture for Paul Mitchell the School Temecula.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Paul Mitchell the School Temecula appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.3% |
| Borrowers in the cohort | 36 |
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 | $10,556 |
| Middle income | $10,556 |
| High income | $10,550 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,556 |
| Continuing-generation students | $10,502 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,457 |
| Independent students | $15,324 |
Federal data publishes the following gap measures for Paul Mitchell the School Temecula.
The Difference Between 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.