by our College Data Analytics TeamThis page focuses on the debt students take on to attend UCAS University of Cosmetology Arts & Sciences-San Antonio 410: 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.
Looking at the entering class at UCAS University of Cosmetology Arts & Sciences-San Antonio 410, 75% of first-year students take on loan debt, at roughly $4,834 each — a figure that counts both private and federal student loans.
The average federally funded loan is $4,834, representing 87.9% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at UCAS University of Cosmetology Arts & Sciences-San Antonio 410 (freshmen included), 27% use federal student loans to help pay for their education, at an average of $6,154 in federal loans per year. That is 27.3% greater than the $4,834 freshmen take on.
Carrying that yearly figure forward comes to roughly $12,308 in two years and roughly $24,616 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 | 27% |
| Average federal loan per year | $6,154 |
| Undergraduates with a federal loan | 25 |
| Total federal loans (one year) | $153,857 |
Graduating and withdrawing students at UCAS University of Cosmetology Arts & Sciences-San Antonio 410 carry a median federal debt of $6,169 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,169 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $4,324 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for UCAS University of Cosmetology Arts & Sciences-San Antonio 410.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $2,441 |
| 75th percentile | $7,141 |
These figures turn the debt totals into a monthly repayment picture for UCAS University of Cosmetology Arts & Sciences-San Antonio 410.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for UCAS University of Cosmetology Arts & Sciences-San Antonio 410 is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.4% |
| Borrowers in the cohort | 67 |
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 Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,584 |
| Independent students | $6,333 |
The Difference Between Subsidized and 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.
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.