by our College Data Analytics TeamThis page focuses on the debt students take on to attend Vanguard College of Cosmetology-Baton Rouge: 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.
Among first-year students at Vanguard College of Cosmetology-Baton Rouge, 87% of incoming students take out a loan to help cover first-year costs, borrowing on average $7,363 per student, private and federal loans combined.
The average federally funded loan is $7,363. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at Vanguard College of Cosmetology-Baton Rouge, freshmen included, 64% rely on federal student loans toward their education, for a typical $7,350 a year. That is 0.2% under the $7,363 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $14,700 after two years and $29,400 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 64% |
| Average federal loan per year | $7,350 |
| Undergraduates with a federal loan | 232 |
| Total federal loans (one year) | $1,705,267 |
The median student at Vanguard College of Cosmetology-Baton Rouge borrows $9,833 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,833 |
| Students who completed (graduates) | $9,833 |
| Students who withdrew | $4,750 |
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 Vanguard College of Cosmetology-Baton Rouge.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $13,837 |
| 90th percentile (highest-debt students) | $16,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Vanguard College of Cosmetology-Baton Rouge.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Vanguard College of Cosmetology-Baton Rouge.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 68 | $8,129 |
These figures turn the debt totals into a monthly repayment picture for Vanguard College of Cosmetology-Baton Rouge.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Vanguard College of Cosmetology-Baton Rouge follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.0% |
| Borrowers in the cohort | 107 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,833 |
| Middle income | $9,833 |
| High income | $9,833 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,833 |
| Continuing-generation students | $9,833 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,833 |
| Independent students | $16,500 |
Federal data publishes the following gap measures for Vanguard College of Cosmetology-Baton Rouge.
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.
Did You Know?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.