by our College Data Analytics TeamHere you will find what students actually borrow to attend Atelier Esthetique Institute of Esthetics: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Atelier Esthetique Institute of Esthetics, 49% of freshmen borrow to help pay for their first year, averaging $3,723 each — a figure that counts both private and federal student loans.
Federal loans alone average $3,723, equal to roughly 67.7% of the $5,500 cap on first-year federal borrowing for the 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 Atelier Esthetique Institute of Esthetics, 50% rely on federal student loans toward their education, for a typical $5,429 each per year. That is 45.8% above the $3,723 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $10,858 over two years and about $21,716 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 50% |
| Average federal loan per year | $5,429 |
| Undergraduates with a federal loan | 282 |
| Total federal loans (one year) | $1,530,996 |
The median student at Atelier Esthetique Institute of Esthetics borrows $5,846 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,846 |
| Students who completed (graduates) | $5,846 |
| Students who withdrew | $3,167 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Atelier Esthetique Institute of Esthetics.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,869 |
| 25th percentile | $3,385 |
| 75th percentile | $5,846 |
| 90th percentile (highest-debt students) | $6,333 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Atelier Esthetique Institute of Esthetics.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Atelier Esthetique Institute of Esthetics.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 43 | $12,025 |
These figures turn the debt totals into a monthly repayment picture for Atelier Esthetique Institute of Esthetics.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Atelier Esthetique Institute of Esthetics appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 1 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $5,846 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,846 |
| Continuing-generation students | $5,846 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,605 |
| Independent students | $5,846 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Atelier Esthetique Institute of Esthetics.
Subsidized and 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.
Important to Remember
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.