by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Butler Beauty Academy - Kittanning Beauty Academy: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Butler Beauty Academy - Kittanning Beauty Academy, 29% of incoming undergraduates borrow in year one, averaging $5,068 per borrower, covering both private and federal loans.
The typical federal loan comes to $5,114, amounting to 93.0% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Butler Beauty Academy - Kittanning Beauty Academy, 14% use federal student loans to help pay for their education, borrowing on average $4,770 in federal loans per year. That amounts to 6.7% less than the $5,114 freshmen take on.
Carrying that yearly figure forward comes to roughly $9,540 across two years and $19,080 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 14% |
| Average federal loan per year | $4,770 |
| Undergraduates with a federal loan | 6 |
| Total federal loans (one year) | $28,622 |
The median student at Butler Beauty Academy - Kittanning Beauty Academy borrows $7,481 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,481 |
| Students who completed (graduates) | $7,500 |
| Students who withdrew | $4,000 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Butler Beauty Academy - Kittanning Beauty Academy.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,725 |
| 25th percentile | $4,025 |
| 75th percentile | $8,028 |
| 90th percentile (highest-debt students) | $11,590 |
How wide this percentile range is tells you how much borrowing varies across students at Butler Beauty Academy - Kittanning Beauty Academy.
These figures turn the debt totals into a monthly repayment picture for Butler Beauty Academy - Kittanning Beauty Academy.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Butler Beauty Academy - Kittanning Beauty Academy appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.7% |
| Borrowers in the cohort | 103 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $7,500 |
Subsidized and 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.
Did You Know?
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.