by our College Data Analytics TeamThis page focuses on the debt students take on to attend DuVall’s School of Cosmetology, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at DuVall’s School of Cosmetology, 64% of first-year students take on loan debt, with a typical loan of $5,136 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $5,136, which is 93.4% 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.
Among all degree-seeking undergrads at DuVall’s School of Cosmetology, 65% take out federal student loans, at an average of $5,116 in federal loans per year. This works out to 0.4% lower than the $5,136 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $10,232 across two years and $20,464 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 65% |
| Average federal loan per year | $5,116 |
| Undergraduates with a federal loan | 96 |
| Total federal loans (one year) | $491,094 |
Graduating and withdrawing students at DuVall’s School of Cosmetology carry a median federal debt of $7,796 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,796 |
| Students who completed (graduates) | $7,917 |
| Students who withdrew | $3,958 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for DuVall’s School of Cosmetology.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,175 |
| 25th percentile | $4,584 |
| 75th percentile | $7,917 |
| 90th percentile (highest-debt students) | $13,833 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at DuVall’s School of Cosmetology.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at DuVall’s School of Cosmetology.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 23 | $7,330 |
Repayment burden translates the debt figures into what a borrower actually pays each month. DuVall’s School of Cosmetology.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for DuVall’s School of Cosmetology follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.6% |
| Borrowers in the cohort | 71 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $7,917 |
| Middle income | $5,820 |
| High income | $4,584 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,795 |
| Continuing-generation students | $7,916 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,584 |
| Independent students | $7,917 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at DuVall’s School of Cosmetology.
Subsidized vs. 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.
Did You Know?
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.