by our College Data Analytics TeamHere you will find what students actually borrow to attend Aveda Institute - Madison— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At Aveda Institute - Madison specifically, 57% of incoming undergraduates borrow in year one, borrowing on average $8,232 each — a figure that counts both private and federal student loans.
Federal loans alone average $7,699. That is at or past the $5,500 federal first-year limit for 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.
For undergraduates overall at Aveda Institute - Madison, 60% take out federal student loans, with a mean of $7,593 annually. That is 1.4% under the $7,699 typical freshmen borrow.
Repeating that yearly amount projects to about $15,186 after two years and $30,372 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 60% |
| Average federal loan per year | $7,593 |
| Undergraduates with a federal loan | 88 |
| Total federal loans (one year) | $668,184 |
The middle borrower at Aveda Institute - Madison owes $6,333 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $3,166 |
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 Aveda Institute - Madison.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,584 |
| 75th percentile | $12,000 |
| 90th percentile (highest-debt students) | $17,451 |
How wide this percentile range is tells you how much borrowing varies across students at Aveda Institute - Madison.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Aveda Institute - Madison.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 71 | $8,816 |
The indicators below describe what the typical debt costs to pay back at Aveda Institute - Madison.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Aveda Institute - Madison appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.6% |
| Borrowers in the cohort | 106 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $6,333 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $7,917 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,333 |
Federal data publishes the following gap measures for Aveda Institute - Madison.
Subsidized vs. Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Worth Knowing
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.