by our College Data Analytics TeamThis page focuses on the debt students take on to attend Xenon International Academy-Omaha— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
At Xenon International School of hair Design specifically, 64% of incoming undergraduates borrow in year one, with a typical loan of $8,774 each, across private and federal loan sources.
On the federal side, the average loan is $8,774. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Xenon International School of hair Design, freshmen included, 50% finance part of their studies with federal loans, with a mean of $7,476 each per year. That amounts to 14.8% lower than the $8,774 borrowed by freshmen.
Borrowing at that rate every year works out to about $14,952 after two years and $29,904 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 50% |
| Average federal loan per year | $7,476 |
| Undergraduates with a federal loan | 176 |
| Total federal loans (one year) | $1,315,830 |
The middle borrower at Xenon International School of hair Design owes $6,333 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,867 |
| Students who withdrew | $4,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Xenon International School of hair Design.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,666 |
| 25th percentile | $5,500 |
| 75th percentile | $12,326 |
| 90th percentile (highest-debt students) | $20,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Xenon International School of hair Design.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Xenon International School of hair Design.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 39 | $7,540 |
These figures turn the debt totals into a monthly repayment picture for Xenon International School of hair Design.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Xenon International School of hair Design appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.8% |
| Borrowers in the cohort | 206 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
| Middle income | $6,333 |
| High income | $12,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,333 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,764 |
| Independent students | $6,333 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Xenon International School of hair Design.
The Difference Between Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Worth Knowing
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.