by our College Data Analytics TeamThis page focuses on the debt students take on to attend Academy Di Capelli - School of Cosmetology, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Academy Di Capelli, 86% of freshmen borrow to help pay for their first year, averaging $5,073 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $5,073, equal to roughly 92.2% 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 Academy Di Capelli (freshmen included), 75% take out federal student loans, with a mean of $5,073 a year.
Repeating that yearly amount projects to about $10,146 over two years and about $20,292 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 75% |
| Average federal loan per year | $5,073 |
| Undergraduates with a federal loan | 258 |
| Total federal loans (one year) | $1,308,891 |
The middle borrower at Academy Di Capelli owes $6,333 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Academy Di Capelli.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $13,833 |
| 90th percentile (highest-debt students) | $16,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Academy Di Capelli.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Academy Di Capelli.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 60 | $6,196 |
The indicators below describe what the typical debt costs to pay back at Academy Di Capelli.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Academy Di Capelli follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.8% |
| Borrowers in the cohort | 35 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
| Middle income | $6,333 |
| High income | $4,069 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,333 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,333 |
Federal data publishes the following gap measures for Academy Di Capelli.
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.
Did You Know?
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.