by our College Data Analytics TeamThis page focuses on the debt students take on to attend PJ’s College of Cosmetology-Clarksville— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At PJ’s College of Cosmetology-Clarksville, 83% of first-year students take on loan debt, with a typical loan of $7,164 per borrower, covering both private and federal loans.
Federal loans alone average $7,164. 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.
Among all degree-seeking undergrads at PJ’s College of Cosmetology-Clarksville, 45% rely on federal student loans toward their education, for a typical $6,933 per year. It comes to 3.2% below the first-year federal average of $7,164.
Borrowing the same amount each year would add up to roughly $13,866 by year two and around $27,732 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 | 45% |
| Average federal loan per year | $6,933 |
| Undergraduates with a federal loan | 132 |
| Total federal loans (one year) | $915,134 |
The middle borrower at PJ’s College of Cosmetology-Clarksville owes $7,389 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,389 |
| Students who completed (graduates) | $8,289 |
| 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.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for PJ’s College of Cosmetology-Clarksville.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $13,833 |
| 90th percentile (highest-debt students) | $16,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at PJ’s College of Cosmetology-Clarksville.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for PJ’s College of Cosmetology-Clarksville.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 34 | $6,306 |
These figures turn the debt totals into a monthly repayment picture for PJ’s College of Cosmetology-Clarksville.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for PJ’s College of Cosmetology-Clarksville is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.8% |
| Borrowers in the cohort | 125 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $7,389 |
| Middle income | $9,186 |
| High income | $5,916 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,389 |
| Continuing-generation students | $7,389 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $7,389 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at PJ’s College of Cosmetology-Clarksville.
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.
Worth Knowing
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.