by our College Data Analytics TeamHere you will find what students actually borrow to attend Cosmetology Academy of Texarkana, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Cosmetology Academy of Texarkana, 70% of freshmen borrow to help pay for their first year, borrowing on average $7,001 each, across private and federal loan sources.
The average federal loan is $7,001. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Cosmetology Academy of Texarkana, freshmen included, 54% use federal student loans to help pay for their education, for a typical $6,310 a year. This is 9.9% below the first-year federal average of $7,001.
Repeating that yearly amount projects to about $12,620 across two years and $25,240 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 | 54% |
| Average federal loan per year | $6,310 |
| Undergraduates with a federal loan | 44 |
| Total federal loans (one year) | $277,641 |
The middle borrower at Cosmetology Academy of Texarkana owes $7,917 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,917 |
| Students who completed (graduates) | $10,637 |
| 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.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Cosmetology Academy of Texarkana.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,272 |
| 25th percentile | $4,750 |
| 75th percentile | $13,133 |
| 90th percentile (highest-debt students) | $16,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Cosmetology Academy of Texarkana.
Repayment burden translates the debt figures into what a borrower actually pays each month. Cosmetology Academy of Texarkana.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $8,653 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,968 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Cosmetology Academy of Texarkana.
Subsidized vs. 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.
Worth Knowing
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.