by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Empire Beauty School-Glen Burnie, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Empire Beauty School-Glen Burnie, 75% of first-year students take on loan debt, with a typical loan of $7,597 per student, private and federal loans combined.
The average federally funded loan is $7,597. 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.
Across the full undergraduate body at Empire Beauty School-Glen Burnie (freshmen included), 50% rely on federal student loans toward their education, for a typical $7,735 a year. This is 1.8% greater than the $7,597 typical freshmen borrow.
Repeating that yearly amount projects to about $15,470 by year two and around $30,940 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 50% |
| Average federal loan per year | $7,735 |
| Undergraduates with a federal loan | 65 |
| Total federal loans (one year) | $502,750 |
The middle borrower at Empire Beauty School-Glen Burnie owes $8,028 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,028 |
| Students who completed (graduates) | $13,000 |
| 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-Glen Burnie.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $12,252 |
| 90th percentile (highest-debt students) | $13,700 |
How wide this percentile range is tells you how much borrowing varies across students at Empire Beauty School-Glen Burnie.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Empire Beauty School-Glen Burnie.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 349 | $5,493 |
| Completed (graduates) | 187 | $8,038 |
| Did not complete | 162 | $4,126 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $95.58/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-Glen Burnie.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 332 | — |
| No Stafford loan | 17 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 324 | $6,294 |
| No Stafford loan this year | 25 | $4,212 |
The indicators below describe what the typical debt costs to pay back at Empire Beauty School-Glen Burnie.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Empire Beauty School-Glen Burnie follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.0% |
| Borrowers in the cohort | 327 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,955 |
| Middle income | $8,028 |
| High income | $8,025 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,028 |
| Continuing-generation students | $8,028 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,667 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Empire Beauty School-Glen Burnie.
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.
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.