by our College Data Analytics TeamThis page focuses on the debt students take on to attend Empire Beauty School-Lehigh Valley, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Empire Beauty School-Lehigh Valley, 51% of freshmen borrow to help pay for their first year, with a typical loan of $7,288 each, across private and federal loan sources.
The average federally funded loan is $7,288. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at Empire Beauty School-Lehigh Valley, 56% rely on federal student loans toward their education, borrowing on average $7,633 a year. That amounts to 4.7% above the $7,288 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $15,266 by year two and around $30,532 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 | 56% |
| Average federal loan per year | $7,633 |
| Undergraduates with a federal loan | 112 |
| Total federal loans (one year) | $854,900 |
Graduating and withdrawing students at Empire Beauty School-Lehigh Valley carry a median federal debt of $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 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Empire Beauty School-Lehigh Valley.
| 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 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Empire Beauty School-Lehigh Valley.
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-Lehigh Valley.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 349 | $5,493 |
| Completed (graduates) | 187 | $8,038 |
| Did not complete | 162 | $4,126 |
On a standard 10-year plan, the median completing borrower would pay about $95.58/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Empire Beauty School-Lehigh Valley.
Any-Stafford Borrowers
| 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 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Empire Beauty School-Lehigh Valley.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Empire Beauty School-Lehigh Valley is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.0% |
| Borrowers in the cohort | 327 |
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 | $7,955 |
| Middle income | $8,028 |
| High income | $8,025 |
First-Gen vs Continuing-Gen Borrowing
| 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 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Empire Beauty School-Lehigh Valley.
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.
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.