by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Empire Beauty School-Harrisburg, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at Empire Beauty School-Harrisburg, 62% of freshmen borrow to help pay for their first year, averaging $7,753 each — a figure that counts both private and federal student loans.
The average federally funded loan is $7,753. That sits at or beyond the $5,500 first-year federal limit 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-Harrisburg, freshmen included, 57% finance part of their studies with federal loans, borrowing on average $8,011 per year. This works out to 3.3% more than the $7,753 freshmen take on.
Repeating that yearly amount projects to about $16,022 in two years and roughly $32,044 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 57% |
| Average federal loan per year | $8,011 |
| Undergraduates with a federal loan | 146 |
| Total federal loans (one year) | $1,169,625 |
The middle borrower at Empire Beauty School-Harrisburg owes $6,633 of cumulative federal debt.
| 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-Harrisburg.
| 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 gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Empire Beauty School-Harrisburg.
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-Harrisburg.
| 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.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Empire Beauty School-Harrisburg.
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 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Empire Beauty School-Harrisburg.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Empire Beauty School-Harrisburg follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.9% |
| Borrowers in the cohort | 504 |
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.
Borrowing by Income Tier
| 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 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,222 |
| Independent students | $7,238 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Empire Beauty School-Harrisburg.
Subsidized vs. 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.