by our College Data Analytics TeamThis page focuses on the debt students take on to attend Empire Beauty School-Brooklyn, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Empire Beauty School-Brooklyn, 60% of first-year students take on loan debt, for an average of $7,967 per borrower, covering both private and federal loans.
The average federal loan is $7,967. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Empire Beauty School-Brooklyn, freshmen included, 56% use federal student loans to help pay for their education, for a typical $8,057 a year. That is 1.1% above the $7,967 typical freshmen borrow.
At a steady annual pace, that totals around $16,114 across two years and $32,228 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 56% |
| Average federal loan per year | $8,057 |
| Undergraduates with a federal loan | 144 |
| Total federal loans (one year) | $1,160,137 |
The median student at Empire Beauty School-Brooklyn borrows $6,222 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,222 |
| Students who completed (graduates) | $10,667 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Empire Beauty School-Brooklyn.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $10,274 |
| 90th percentile (highest-debt students) | $12,953 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Empire Beauty School-Brooklyn.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Empire Beauty School-Brooklyn.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 385 | $5,000 |
| Completed (graduates) | 200 | $6,811 |
| Did not complete | 185 | $4,181 |
On a standard 10-year plan, the median completing borrower would pay about $80.99/mo.
Federal data lets us separate Stafford borrowers from the rest at Empire Beauty School-Brooklyn.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 368 | — |
| No Stafford loan | 17 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 352 | $5,000 |
| No Stafford loan this year | 33 | $3,838 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Empire Beauty School-Brooklyn.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Empire Beauty School-Brooklyn follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.6% |
| Borrowers in the cohort | 900 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,222 |
| Middle income | $6,222 |
| High income | $6,152 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,222 |
| Continuing-generation students | $6,222 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,222 |
| Independent students | $7,925 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Empire Beauty School-Brooklyn.
Subsidized and 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.
Did You Know?
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.