by our College Data Analytics TeamThis page focuses on the debt students take on to attend California College of Barbering and Cosmetology— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Among first-year students at CAL CBC, 79% of new students use loans toward freshman-year expenses, with a typical loan of $5,587 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $5,587. This meets or exceeds the $5,500 cap on first-year federal borrowing 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.
Across the full undergraduate body at CAL CBC (freshmen included), 64% finance part of their studies with federal loans, for a typical $5,791 each per year. This works out to 3.7% greater than the freshman federal average of $5,587.
Borrowing the same amount each year would add up to roughly $11,582 over two years and about $23,164 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 64% |
| Average federal loan per year | $5,791 |
| Undergraduates with a federal loan | 293 |
| Total federal loans (one year) | $1,696,867 |
Graduating and withdrawing students at CAL CBC carry a median federal debt of $6,333 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $3,661 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at CAL CBC.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 24 | $5,400 |
Repayment burden translates the debt figures into what a borrower actually pays each month. CAL CBC.
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 | $6,333 |
| Middle income | $5,864 |
| High income | $5,542 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,780 |
| Independent students | $6,333 |
Federal data publishes the following gap measures for CAL CBC.
Subsidized vs. 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?
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.