by our College Data Analytics TeamThis page focuses on the debt students take on to attend Victoria Beauty College Inc: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Victoria Beauty School, 100% of first-year students take on loan debt, averaging $6,850 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $6,850. That is at or past the $5,500 federal first-year limit for 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.
Across the full undergraduate body at Victoria Beauty School (freshmen included), 60% finance part of their studies with federal loans, with a mean of $9,500 in federal loans per year. That is 38.7% above the freshman federal average of $6,850.
Repeating that yearly amount projects to about $19,000 by year two and around $38,000 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 60% |
| Average federal loan per year | $9,500 |
| Undergraduates with a federal loan | 56 |
| Total federal loans (one year) | $532,000 |
The median student at Victoria Beauty School borrows $6,222 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,222 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $3,869 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Victoria Beauty School.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,707 |
| 75th percentile | $7,659 |
| 90th percentile (highest-debt students) | $10,141 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Victoria Beauty School.
Repayment burden translates the debt figures into what a borrower actually pays each month. Victoria Beauty School.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Victoria Beauty School is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.6% |
| Borrowers in the cohort | 77 |
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 | $5,696 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
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.
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.