by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Clarksburg Beauty Academy and School of Massage Therapy, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Clarksburg Beauty Academy and School of Massage Therapy, 31% of freshmen borrow to help pay for their first year, borrowing on average $7,774 per borrower, covering both private and federal loans.
On the federal side, the average loan is $7,774. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at Clarksburg Beauty Academy and School of Massage Therapy, 30% finance part of their studies with federal loans, for a typical $7,059 in federal loans per year. That is 9.2% less than the freshman federal average of $7,774.
At a steady annual pace, that totals around $14,118 after two years and $28,236 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 30% |
| Average federal loan per year | $7,059 |
| Undergraduates with a federal loan | 28 |
| Total federal loans (one year) | $197,663 |
The median student at Clarksburg Beauty Academy and School of Massage Therapy borrows $6,498 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,498 |
| Students who completed (graduates) | $6,415 |
| Students who withdrew | $8,719 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Clarksburg Beauty Academy and School of Massage Therapy.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
How wide this percentile range is tells you how much borrowing varies across students at Clarksburg Beauty Academy and School of Massage Therapy.
Repayment burden translates the debt figures into what a borrower actually pays each month. Clarksburg Beauty Academy and School of Massage Therapy.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Clarksburg Beauty Academy and School of Massage Therapy is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.1% |
| Borrowers in the cohort | 86 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,528 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $7,512 |
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.
Important to Remember
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.