by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Toni & Guy Hairdressing Academy-Rio Rancho, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Graduating and withdrawing students at Toni & Guy Hairdressing Academy-Rio Rancho carry a median federal debt of $7,667 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,667 |
| Students who completed (graduates) | $10,556 |
| 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.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Toni & Guy Hairdressing Academy-Rio Rancho.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,596 |
| 25th percentile | $5,500 |
| 75th percentile | $17,667 |
| 90th percentile (highest-debt students) | $17,667 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Toni & Guy Hairdressing Academy-Rio Rancho.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Toni & Guy Hairdressing Academy-Rio Rancho.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 19 | $7,343 |
These figures turn the debt totals into a monthly repayment picture for Toni & Guy Hairdressing Academy-Rio Rancho.
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 Toni & Guy Hairdressing Academy-Rio Rancho is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.6% |
| Borrowers in the cohort | 30 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,211 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,028 |
| Continuing-generation students | $6,211 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,304 |
| Independent students | $6,211 |
Federal data publishes the following gap measures for Toni & Guy Hairdressing Academy-Rio Rancho.
Subsidized vs. 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?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.