by our College Data Analytics TeamHere you will find what students actually borrow to attend Beaumont Adult School: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Beaumont Adult School, 92% of new students use loans toward freshman-year expenses, at roughly $8,194 each, across private and federal loan sources.
The typical federal loan comes to $8,194. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Beaumont Adult School, freshmen included, 79% rely on federal student loans toward their education, for a typical $8,044 annually. That is 1.8% below the $8,194 freshmen take on.
Borrowing the same amount each year would add up to roughly $16,088 over two years and about $32,176 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 79% |
| Average federal loan per year | $8,044 |
| Undergraduates with a federal loan | 104 |
| Total federal loans (one year) | $836,596 |
The middle borrower at Beaumont Adult School owes $14,220 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,220 |
| Students who completed (graduates) | $14,866 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for Beaumont Adult School.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $11,250 |
| 75th percentile | $18,786 |
These figures turn the debt totals into a monthly repayment picture for Beaumont Adult School.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Beaumont Adult School appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.5% |
| Borrowers in the cohort | 56 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $15,020 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,480 |
| Independent students | $16,769 |
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.
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.