by our College Data Analytics TeamHere you will find what students actually borrow to attend UCAS University of Cosmetology Arts & Sciences-Harlingen: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
For incoming students at UCAS University of Cosmetology Arts & Sciences-Harlingen, 100% of incoming students take out a loan to help cover first-year costs, averaging $3,398 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $3,398, or about 61.8% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at UCAS University of Cosmetology Arts & Sciences-Harlingen, 76% rely on federal student loans toward their education, averaging $7,177 a year. This is 111.2% above the freshman federal average of $3,398.
Carrying that yearly figure forward comes to roughly $14,354 over two years and about $28,708 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 76% |
| Average federal loan per year | $7,177 |
| Undergraduates with a federal loan | 102 |
| Total federal loans (one year) | $732,021 |
The median student at UCAS University of Cosmetology Arts & Sciences-Harlingen borrows $6,083 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,083 |
| Students who completed (graduates) | $6,447 |
| Students who withdrew | $3,959 |
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 UCAS University of Cosmetology Arts & Sciences-Harlingen.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,750 |
| 75th percentile | $6,833 |
| 90th percentile (highest-debt students) | $9,672 |
How wide this percentile range is tells you how much borrowing varies across students at UCAS University of Cosmetology Arts & Sciences-Harlingen.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for UCAS University of Cosmetology Arts & Sciences-Harlingen.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 88 | $2,880 |
| Completed (graduates) | 67 | $3,000 |
| Did not complete | 21 | $2,184 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $35.67/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. UCAS University of Cosmetology Arts & Sciences-Harlingen.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for UCAS University of Cosmetology Arts & Sciences-Harlingen appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.6% |
| Borrowers in the cohort | 490 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,163 |
| Middle income | $5,533 |
| High income | $4,865 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,122 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,333 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at UCAS University of Cosmetology Arts & Sciences-Harlingen.
Subsidized vs. Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
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.