by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Trend Barber College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Trend Barber College, 80% of first-year students take on loan debt, at roughly $4,430 per borrower, covering both private and federal loans.
Federal loans alone average $4,430, or about 80.5% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Trend Barber College, 72% borrow through federal student loan programs, at an average of $4,597 in federal loans per year. It comes to 3.8% above the $4,430 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $9,194 by year two and around $18,388 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 | 72% |
| Average federal loan per year | $4,597 |
| Undergraduates with a federal loan | 98 |
| Total federal loans (one year) | $450,541 |
Graduating and withdrawing students at Trend Barber College carry a median federal debt of $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $12,794 |
| Students who withdrew | $8,200 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Trend Barber College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $6,603 |
| 75th percentile | $12,500 |
| 90th percentile (highest-debt students) | $12,500 |
How wide this percentile range is tells you how much borrowing varies across students at Trend Barber College.
The indicators below describe what the typical debt costs to pay back at Trend Barber College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Trend Barber College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 18.7% |
| Borrowers in the cohort | 139 |
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.
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,083 |
| Independent students | $10,667 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Trend Barber College.
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.
Did You Know?
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.