by our College Data Analytics TeamHere you will find what students actually borrow to attend Tricoci University of Beauty Culture-Highland, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Tricoci HLD, 96% of freshmen borrow to help pay for their first year, with a typical loan of $7,510 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $6,437. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at Tricoci HLD, 65% finance part of their studies with federal loans, with a mean of $6,654 annually. This is 3.4% above the first-year federal average of $6,437.
At a steady annual pace, that totals around $13,308 in two years and roughly $26,616 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 65% |
| Average federal loan per year | $6,654 |
| Undergraduates with a federal loan | 372 |
| Total federal loans (one year) | $2,475,220 |
The median student at Tricoci HLD borrows $7,307 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,307 |
| Students who completed (graduates) | $7,307 |
| Students who withdrew | $3,654 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Tricoci HLD.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,653 |
| 25th percentile | $4,750 |
| 75th percentile | $13,000 |
| 90th percentile (highest-debt students) | $15,153 |
How wide this percentile range is tells you how much borrowing varies across students at Tricoci HLD.
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 Tricoci HLD.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 88 | $8,370 |
These figures turn the debt totals into a monthly repayment picture for Tricoci HLD.
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 Tricoci HLD is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.5% |
| Borrowers in the cohort | 42 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $7,307 |
| Middle income | $7,307 |
| High income | $5,125 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,307 |
| Continuing-generation students | $7,307 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $7,307 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Tricoci HLD.
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.