by our College Data Analytics TeamHere you will find what students actually borrow to attend Empire Beauty School-Kennesaw— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At Empire Beauty School-Kennesaw, 53% of incoming undergraduates borrow in year one, with a typical loan of $7,340 per borrower, covering both private and federal loans.
On the federal side, the average loan is $7,340. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Empire Beauty School-Kennesaw, freshmen included, 55% borrow through federal student loan programs, with a mean of $7,775 per year. This works out to 5.9% higher than the $7,340 borrowed by freshmen.
Repeating that yearly amount projects to about $15,550 by year two and around $31,100 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 | 55% |
| Average federal loan per year | $7,775 |
| Undergraduates with a federal loan | 154 |
| Total federal loans (one year) | $1,197,304 |
Graduating and withdrawing students at Empire Beauty School-Kennesaw carry a median federal debt of $6,333 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $10,231 |
| 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-Kennesaw.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $12,347 |
| 90th percentile (highest-debt students) | $16,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Empire Beauty School-Kennesaw.
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-Kennesaw.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 265 | $6,222 |
| Completed (graduates) | 169 | $6,974 |
| Did not complete | 96 | $5,271 |
On a standard 10-year plan, the median completing borrower would pay about $82.93/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-Kennesaw.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 252 | — |
| No Stafford loan this year | 13 | — |
The indicators below describe what the typical debt costs to pay back at Empire Beauty School-Kennesaw.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Empire Beauty School-Kennesaw appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.8% |
| Borrowers in the cohort | 371 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
| Middle income | $7,418 |
| High income | $6,333 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,018 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,723 |
| Independent students | $6,333 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Empire Beauty School-Kennesaw.
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
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.