by our College Data Analytics TeamThis page focuses on the debt students take on to attend Broken Arrow Beauty College - Tulsa, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Broken Arrow Beauty College - Tulsa, 33% of freshmen borrow to help pay for their first year, for an average of $5,212 per borrower, covering both private and federal loans.
The average federal loan is $5,212, or about 94.8% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Across the full undergraduate body at Broken Arrow Beauty College - Tulsa (freshmen included), 47% borrow through federal student loan programs, borrowing on average $4,850 in federal loans per year. It comes to 6.9% less than the freshman federal average of $5,212.
Borrowing the same amount each year would add up to roughly $9,700 over two years and about $19,400 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 47% |
| Average federal loan per year | $4,850 |
| Undergraduates with a federal loan | 65 |
| Total federal loans (one year) | $315,254 |
The middle borrower at Broken Arrow Beauty College - Tulsa owes $6,333 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Broken Arrow Beauty College - Tulsa.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,402 |
| 25th percentile | $4,750 |
| 75th percentile | $9,833 |
| 90th percentile (highest-debt students) | $15,869 |
How wide this percentile range is tells you how much borrowing varies across students at Broken Arrow Beauty College - Tulsa.
Repayment burden translates the debt figures into what a borrower actually pays each month. Broken Arrow Beauty College - Tulsa.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Broken Arrow Beauty College - Tulsa is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.4% |
| Borrowers in the cohort | 130 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $6,226 |
| Middle income | $7,350 |
| High income | $5,734 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,333 |
| Independent students | $6,333 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Broken Arrow Beauty College - Tulsa.
Subsidized vs. 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
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.