by our College Data Analytics TeamThis page focuses on the debt students take on to attend Christine Valmy International School for Esthetics, Skin Care & Makeup— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At Christine Valmy International School, 91% of freshmen borrow to help pay for their first year, averaging $4,695 each — a figure that counts both private and federal student loans.
Federal loans alone average $4,695, or about 85.4% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Christine Valmy International School, freshmen included, 28% take out federal student loans, at an average of $5,007 a year. It comes to 6.6% greater than the first-year federal average of $4,695.
Carrying that yearly figure forward comes to roughly $10,014 over two years and about $20,028 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 28% |
| Average federal loan per year | $5,007 |
| Undergraduates with a federal loan | 396 |
| Total federal loans (one year) | $1,982,635 |
Graduating and withdrawing students at Christine Valmy International School carry a median federal debt of $5,477 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,477 |
| Students who completed (graduates) | $5,478 |
| Students who withdrew | $2,788 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Christine Valmy International School.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,331 |
| 25th percentile | $3,596 |
| 75th percentile | $6,147 |
| 90th percentile (highest-debt students) | $6,211 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Christine Valmy International School.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Christine Valmy International School.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 79 | $9,107 |
These figures turn the debt totals into a monthly repayment picture for Christine Valmy International School.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $5,477 |
| Middle income | $5,578 |
| High income | $3,666 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,477 |
| Continuing-generation students | $5,478 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,666 |
| Independent students | $5,578 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Christine Valmy International School.
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.
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.