by our College Data Analytics TeamThis page focuses on the debt students take on to attend Christine Valmy International School of Esthetics & Cosmetology, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Counting every undergraduate at Christine Valmy International School, 45% borrow through federal student loan programs, averaging $4,557 a year.
Borrowing the same amount each year would add up to roughly $9,114 by year two and around $18,228 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 | 45% |
| Average federal loan per year | $4,557 |
| Undergraduates with a federal loan | 197 |
| Total federal loans (one year) | $897,728 |
Graduating and withdrawing students at Christine Valmy International School carry a median federal debt of $5,173 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,173 |
| Students who completed (graduates) | $5,457 |
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Christine Valmy International School.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,288 |
| 25th percentile | $3,596 |
| 75th percentile | $6,211 |
| 90th percentile (highest-debt students) | $7,775 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Christine Valmy International School.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Christine Valmy International School.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 34 | $8,972 |
The indicators below describe what the typical debt costs to pay back at Christine Valmy International School.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $4,895 |
| Middle income | $5,712 |
| High income | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,596 |
| Independent students | $5,504 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Christine Valmy International School.
The Difference Between 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.
Worth Knowing
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.