by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Empire Beauty School-Center City Philadelphia: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
For incoming students at Empire Beauty School-Center City Philadelphia, 65% of first-year students take on loan debt, borrowing on average $8,074 per borrower, covering both private and federal loans.
The average federal loan is $8,074. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Empire Beauty School-Center City Philadelphia, 66% use federal student loans to help pay for their education, averaging $8,033 a year. That is 0.5% lower than the $8,074 freshmen take on.
At a steady annual pace, that totals around $16,066 across two years and $32,132 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 | 66% |
| Average federal loan per year | $8,033 |
| Undergraduates with a federal loan | 315 |
| Total federal loans (one year) | $2,530,304 |
Graduating and withdrawing students at Empire Beauty School-Center City Philadelphia carry a median federal debt of $6,633 in federal borrowing.
| 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.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Empire Beauty School-Center City Philadelphia.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at Empire Beauty School-Center City Philadelphia.
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 Empire Beauty School-Center City Philadelphia.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 368 | $5,146 |
| Completed (graduates) | 212 | $7,668 |
| Did not complete | 156 | $4,027 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $91.18/mo.
Federal data lets us separate Stafford borrowers from the rest at Empire Beauty School-Center City Philadelphia.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 357 | — |
| No Stafford loan | 11 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 345 | $5,426 |
| No Stafford loan this year | 23 | $3,044 |
The indicators below describe what the typical debt costs to pay back at Empire Beauty School-Center City Philadelphia.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Empire Beauty School-Center City Philadelphia is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.9% |
| Borrowers in the cohort | 504 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,222 |
| Middle income | $7,667 |
| High income | $8,028 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,478 |
| Continuing-generation students | $8,028 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,222 |
| Independent students | $7,238 |
Federal data publishes the following gap measures for Empire Beauty School-Center City Philadelphia.
Subsidized and 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.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.