by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Citrus Heights Beauty College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Citrus Heights Beauty College specifically, 32% of new students use loans toward freshman-year expenses, at roughly $5,209 per student, private and federal loans combined.
On the federal side, the average loan is $5,209, amounting to 94.7% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at Citrus Heights Beauty College, 37% take out federal student loans, with a mean of $5,720 a year. This is 9.8% greater than the first-year federal average of $5,209.
Carrying that yearly figure forward comes to roughly $11,440 over two years and about $22,880 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 37% |
| Average federal loan per year | $5,720 |
| Undergraduates with a federal loan | 71 |
| Total federal loans (one year) | $406,154 |
Graduating and withdrawing students at Citrus Heights Beauty College carry a median federal debt of $5,495 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,495 |
| 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.
The indicators below describe what the typical debt costs to pay back at Citrus Heights Beauty College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Citrus Heights Beauty College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 0 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $4,889 |
| Middle income | $3,673 |
| High income | $5,917 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,673 |
| Independent students | $6,333 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Citrus Heights Beauty College.
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.
Did You Know?
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.