by our College Data Analytics TeamHere you will find what students actually borrow to attend Tint School of Makeup and Cosmetology-Irving: 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.
Looking at the entering class at Tint School of Makeup and Cosmetology-Irving, 75% of freshmen borrow to help pay for their first year, with a typical loan of $8,145 per borrower, covering both private and federal loans.
The average federal loan is $8,145. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at Tint School of Makeup and Cosmetology-Irving (freshmen included), 45% use federal student loans to help pay for their education, averaging $7,613 per year. That amounts to 6.5% below the first-year federal average of $8,145.
Repeating that yearly amount projects to about $15,226 across two years and $30,452 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 45% |
| Average federal loan per year | $7,613 |
| Undergraduates with a federal loan | 74 |
| Total federal loans (one year) | $563,354 |
The median student at Tint School of Makeup and Cosmetology-Irving borrows $4,750 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,750 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $3,166 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Tint School of Makeup and Cosmetology-Irving.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,787 |
| 25th percentile | $3,222 |
| 75th percentile | $6,333 |
| 90th percentile (highest-debt students) | $9,003 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Tint School of Makeup and Cosmetology-Irving.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Tint School of Makeup and Cosmetology-Irving.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 66 | $5,870 |
| Completed (graduates) | 40 | $6,078 |
| Did not complete | 26 | $3,939 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $72.27/mo.
Federal data lets us separate Stafford borrowers from the rest at Tint School of Makeup and Cosmetology-Irving.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 52 | — |
| No Stafford loan this year | 14 | — |
The indicators below describe what the typical debt costs to pay back at Tint School of Makeup and Cosmetology-Irving.
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 Tint School of Makeup and Cosmetology-Irving is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 30.8% |
| Borrowers in the cohort | 81 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $4,725 |
| Middle income | $4,750 |
| High income | $4,400 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $4,706 |
| Continuing-generation students | $4,750 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,666 |
| Independent students | $5,273 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Tint School of Makeup and Cosmetology-Irving.
The Difference Between Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Worth Knowing
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.