by our College Data Analytics TeamThis page focuses on the debt students take on to attend Dermal Science International Aesthetics and Nail Academy, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Among first-year students at DSI Academy, 68% of incoming students take out a loan to help cover first-year costs, with a typical loan of $5,631 per borrower, covering both private and federal loans.
Federal loans alone average $5,631. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at DSI Academy (freshmen included), 44% rely on federal student loans toward their education, averaging $5,371 in federal loans per year. That amounts to 4.6% smaller than the $5,631 freshmen take on.
Borrowing at that rate every year works out to about $10,742 after two years and $21,484 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 44% |
| Average federal loan per year | $5,371 |
| Undergraduates with a federal loan | 31 |
| Total federal loans (one year) | $166,492 |
The median student at DSI Academy borrows $6,333 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at DSI Academy.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $3,666 |
| 75th percentile | $6,333 |
Repayment burden translates the debt figures into what a borrower actually pays each month. DSI Academy.
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 | $6,333 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,666 |
| Independent students | $6,333 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at DSI Academy.
Subsidized vs. 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
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.