by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Artistic Nails and Beauty Academy - Tampa— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Looking at the entering class at Artistic Nails and Beauty Academy - Tampa, 58% of freshmen borrow to help pay for their first year, averaging $6,711 each — a figure that counts both private and federal student loans.
Federal loans alone average $6,711. This is at or above the $5,500 first-year federal borrowing cap that applies to 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.
Counting every undergraduate at Artistic Nails and Beauty Academy - Tampa, 54% finance part of their studies with federal loans, borrowing on average $4,395 in federal loans per year. This works out to 34.5% less than the freshman federal average of $6,711.
Repeating that yearly amount projects to about $8,790 by year two and around $17,580 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 54% |
| Average federal loan per year | $4,395 |
| Undergraduates with a federal loan | 303 |
| Total federal loans (one year) | $1,331,835 |
Graduating and withdrawing students at Artistic Nails and Beauty Academy - Tampa carry a median federal debt of $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 | $3,996 |
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 Artistic Nails and Beauty Academy - Tampa.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,133 |
| 25th percentile | $4,138 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Artistic Nails and Beauty Academy - Tampa.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Artistic Nails and Beauty Academy - Tampa.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 34 | $4,000 |
These figures turn the debt totals into a monthly repayment picture for Artistic Nails and Beauty Academy - Tampa.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Artistic Nails and Beauty Academy - Tampa is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.1% |
| Borrowers in the cohort | 219 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,333 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,666 |
| Independent students | $6,333 |
Federal data publishes the following gap measures for Artistic Nails and Beauty Academy - Tampa.
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.