by our College Data Analytics TeamBelow is federal data on the loans students use to pay for American Beauty Academy - West Valley Campus, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at American Beauty Academy - West Valley Campus, 35% of incoming students take out a loan to help cover first-year costs, for an average of $5,907 each — a figure that counts both private and federal student loans.
Federal loans alone average $5,907. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at American Beauty Academy - West Valley Campus, 43% borrow through federal student loan programs, at an average of $4,398 a year. That amounts to 25.5% under the $5,907 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $8,796 after two years and $17,592 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 | 43% |
| Average federal loan per year | $4,398 |
| Undergraduates with a federal loan | 36 |
| Total federal loans (one year) | $158,338 |
The middle borrower at American Beauty Academy - West Valley Campus owes $5,651 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,651 |
| Students who completed (graduates) | $10,060 |
| 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 American Beauty Academy - West Valley Campus.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $3,134 |
| 75th percentile | $9,952 |
These figures turn the debt totals into a monthly repayment picture for American Beauty Academy - West Valley Campus.
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 American Beauty Academy - West Valley Campus follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 9 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $5,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,360 |
| Independent students | $6,441 |
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
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.