by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Coachella Valley Beauty College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At CV Beauty College specifically, 81% of new students use loans toward freshman-year expenses, borrowing on average $5,068 each, across private and federal loan sources.
The typical federal loan comes to $5,068, or about 92.1% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at CV Beauty College, 67% take out federal student loans, with a mean of $3,637 each per year. That is 28.2% less than the $5,068 borrowed by freshmen.
Borrowing at that rate every year works out to about $7,274 over two years and about $14,548 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 | 67% |
| Average federal loan per year | $3,637 |
| Undergraduates with a federal loan | 88 |
| Total federal loans (one year) | $320,063 |
The median student at CV Beauty College borrows $2,333 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $2,333 |
| Students who completed (graduates) | $2,905 |
| Students who withdrew | $1,542 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for CV Beauty College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,338 |
| 25th percentile | $1,718 |
| 75th percentile | $3,790 |
| 90th percentile (highest-debt students) | $5,608 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at CV Beauty College.
These figures turn the debt totals into a monthly repayment picture for CV Beauty College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for CV Beauty College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.5% |
| Borrowers in the cohort | 19 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $2,065 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $2,950 |
| Independent students | $1,750 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at CV Beauty College.
Subsidized and 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.
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.