by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Sylvain Melloul International Hair Academy: 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.
At Sylvain Melloul Int’l Hair Academy, 0% of incoming undergraduates borrow in year one.
Counting every undergraduate at Sylvain Melloul Int’l Hair Academy, 60% rely on federal student loans toward their education, at an average of $6,165 in federal loans per year.
Borrowing the same amount each year would add up to roughly $12,330 over two years and about $24,660 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 | 60% |
| Average federal loan per year | $6,165 |
| Undergraduates with a federal loan | 166 |
| Total federal loans (one year) | $1,023,466 |
The middle borrower at Sylvain Melloul Int’l Hair Academy owes $8,855 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,855 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $5,350 |
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 Sylvain Melloul Int’l Hair Academy.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $10,053 |
| 90th percentile (highest-debt students) | $11,603 |
How wide this percentile range is tells you how much borrowing varies across students at Sylvain Melloul Int’l Hair Academy.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Sylvain Melloul Int’l Hair Academy.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 32 | $6,043 |
These figures turn the debt totals into a monthly repayment picture for Sylvain Melloul Int’l Hair Academy.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Sylvain Melloul Int’l Hair Academy follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.8% |
| Borrowers in the cohort | 36 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,025 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,113 |
| Continuing-generation students | $9,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,944 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Sylvain Melloul Int’l Hair Academy.
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.