by our College Data Analytics TeamThis page focuses on the debt students take on to attend Empire Beauty School-Buffalo, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Empire Beauty School-Buffalo, 72% of new students use loans toward freshman-year expenses, at roughly $7,918 per borrower, covering both private and federal loans.
The typical federal loan comes to $7,918. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at Empire Beauty School-Buffalo (freshmen included), 63% borrow through federal student loan programs, borrowing on average $8,032 in federal loans per year. This works out to 1.4% more than the freshman federal average of $7,918.
Carrying that yearly figure forward comes to roughly $16,064 over two years and about $32,128 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 63% |
| Average federal loan per year | $8,032 |
| Undergraduates with a federal loan | 100 |
| Total federal loans (one year) | $803,184 |
Graduating and withdrawing students at Empire Beauty School-Buffalo carry a median federal debt of $6,633 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,633 |
| Students who completed (graduates) | $10,667 |
| 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.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Empire Beauty School-Buffalo.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $11,094 |
| 90th percentile (highest-debt students) | $13,583 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Empire Beauty School-Buffalo.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Empire Beauty School-Buffalo.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 368 | $5,146 |
| Completed (graduates) | 212 | $7,668 |
| Did not complete | 156 | $4,027 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $91.18/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Empire Beauty School-Buffalo.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 357 | — |
| No Stafford loan | 11 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 345 | $5,426 |
| No Stafford loan this year | 23 | $3,044 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Empire Beauty School-Buffalo.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Empire Beauty School-Buffalo follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.9% |
| Borrowers in the cohort | 504 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,222 |
| Middle income | $7,667 |
| High income | $8,028 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,478 |
| Continuing-generation students | $8,028 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,222 |
| Independent students | $7,238 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Empire Beauty School-Buffalo.
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.
Important to Remember
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.