by our College Data Analytics TeamThis page focuses on the debt students take on to attend Westchester School of Beauty Culture— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Westchester School of Beauty Culture, 53% of first-year students take on loan debt, with a typical loan of $7,127 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $7,127. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at Westchester School of Beauty Culture, freshmen included, 32% rely on federal student loans toward their education, borrowing on average $6,377 each per year. That amounts to 10.5% smaller than the first-year federal average of $7,127.
Borrowing at that rate every year works out to about $12,754 in two years and roughly $25,508 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 32% |
| Average federal loan per year | $6,377 |
| Undergraduates with a federal loan | 27 |
| Total federal loans (one year) | $172,182 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Westchester School of Beauty Culture.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
The indicators below describe what the typical debt costs to pay back at Westchester School of Beauty Culture.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Westchester School of Beauty Culture appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 0 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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.
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.