by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Total Image Beauty Academy— 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.
Among first-year students at Total Image Beauty Academy, 91% of incoming students take out a loan to help cover first-year costs, borrowing on average $5,605 each — a figure that counts both private and federal student loans.
Federal loans alone average $5,605. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Total Image Beauty Academy, freshmen included, 42% finance part of their studies with federal loans, with a mean of $5,981 each per year. This is 6.7% higher than the freshman federal average of $5,605.
At a steady annual pace, that totals around $11,962 in two years and roughly $23,924 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 42% |
| Average federal loan per year | $5,981 |
| Undergraduates with a federal loan | 138 |
| Total federal loans (one year) | $825,384 |
Graduating and withdrawing students at Total Image Beauty Academy carry a median federal debt of $8,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,500 |
| Students who completed (graduates) | $8,500 |
| Students who withdrew | $3,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Total Image Beauty Academy.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,678 |
| 25th percentile | $3,500 |
| 75th percentile | $7,000 |
| 90th percentile (highest-debt students) | $7,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Total Image Beauty Academy.
The indicators below describe what the typical debt costs to pay back at Total Image Beauty Academy.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Total Image Beauty Academy appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 33.3% |
| Borrowers in the cohort | 12 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $8,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,000 |
| Independent students | $8,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Total Image Beauty Academy.
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.
Important to Remember
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.