by our College Data Analytics TeamThis page focuses on the debt students take on to attend Bella Capelli Academy— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Bella Capelli Academy a Paul Mitchell partner school, 84% of incoming students take out a loan to help cover first-year costs, with a typical loan of $9,646 per student, private and federal loans combined.
Federal loans alone average $7,750. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Bella Capelli Academy a Paul Mitchell partner school, freshmen included, 49% use federal student loans to help pay for their education, borrowing on average $7,131 annually. It comes to 8.0% smaller than the $7,750 freshmen take on.
Repeating that yearly amount projects to about $14,262 over two years and about $28,524 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 49% |
| Average federal loan per year | $7,131 |
| Undergraduates with a federal loan | 175 |
| Total federal loans (one year) | $1,248,006 |
Graduating and withdrawing students at Bella Capelli Academy a Paul Mitchell partner school carry a median federal debt of $8,028 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,028 |
| Students who completed (graduates) | $8,028 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Bella Capelli Academy a Paul Mitchell partner school.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $12,303 |
How wide this percentile range is tells you how much borrowing varies across students at Bella Capelli Academy a Paul Mitchell partner school.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Bella Capelli Academy a Paul Mitchell partner school.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 73 | $10,164 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Bella Capelli Academy a Paul Mitchell partner school.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Bella Capelli Academy a Paul Mitchell partner school is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 28.5% |
| Borrowers in the cohort | 7 |
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 | $8,028 |
| Middle income | $8,028 |
| High income | $8,028 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,028 |
| Continuing-generation students | $8,028 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,028 |
| Independent students | $13,583 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Bella Capelli Academy a Paul Mitchell partner school.
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.