by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Tricoci University of Beauty Cuture LLC-Bloomington: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At Tricoci Bloomington, 77% of freshmen borrow to help pay for their first year, borrowing on average $7,527 per borrower, covering both private and federal loans.
The typical federal loan comes to $6,612. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at Tricoci Bloomington, 60% rely on federal student loans toward their education, at an average of $6,633 annually. That is 0.3% more than the $6,612 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $13,266 across two years and $26,532 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 60% |
| Average federal loan per year | $6,633 |
| Undergraduates with a federal loan | 115 |
| Total federal loans (one year) | $762,788 |
The median student at Tricoci Bloomington 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 | $3,653 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Tricoci Bloomington.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,697 |
| 25th percentile | $3,695 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $11,653 |
How wide this percentile range is tells you how much borrowing varies across students at Tricoci Bloomington.
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 Bloomington.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 42 | $9,140 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Tricoci Bloomington.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Tricoci Bloomington appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.8% |
| Borrowers in the cohort | 37 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,307 |
| Middle income | $4,230 |
| High income | $4,230 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,307 |
| Continuing-generation students | $7,307 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,230 |
| Independent students | $7,307 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Tricoci Bloomington.
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.
Important to Remember
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.