by our College Data Analytics TeamThis page focuses on the debt students take on to attend Aveda Institute - New York, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Aveda Institute - New York, 100% of incoming undergraduates borrow in year one, at roughly $20,902 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $9,402. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
For undergraduates overall at Aveda Institute - New York, 50% take out federal student loans, with a mean of $6,359 per year. That is 32.4% smaller than the first-year federal average of $9,402.
Repeating that yearly amount projects to about $12,718 after two years and $25,436 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 50% |
| Average federal loan per year | $6,359 |
| Undergraduates with a federal loan | 198 |
| Total federal loans (one year) | $1,259,165 |
Graduating and withdrawing students at Aveda Institute - New York carry a median federal debt of $6,027 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,027 |
| Students who completed (graduates) | $6,129 |
| Students who withdrew | $4,717 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Aveda Institute - New York.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,666 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
How wide this percentile range is tells you how much borrowing varies across students at Aveda Institute - New York.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Aveda Institute - New York.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 107 | $8,934 |
| Completed (graduates) | 85 | $9,040 |
| Did not complete | 22 | $8,398 |
On a standard 10-year plan, the median completing borrower would pay about $107.5/mo.
The indicators below describe what the typical debt costs to pay back at Aveda Institute - New York.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Aveda Institute - New York is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.0% |
| Borrowers in the cohort | 172 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,027 |
| Middle income | $6,129 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,027 |
| Continuing-generation students | $6,129 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,666 |
| Independent students | $6,333 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Aveda Institute - New York.
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.
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.