by our College Data Analytics TeamHere you will find what students actually borrow to attend Empire Beauty School-Pottsville: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Empire Beauty School-Pottsville, 32% of incoming students take out a loan to help cover first-year costs, for an average of $8,071 per student, private and federal loans combined.
The average federal loan is $8,071. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at Empire Beauty School-Pottsville, 59% finance part of their studies with federal loans, averaging $8,136 a year. This works out to 0.8% greater than the freshman federal average of $8,071.
At a steady annual pace, that totals around $16,272 by year two and around $32,544 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 | 59% |
| Average federal loan per year | $8,136 |
| Undergraduates with a federal loan | 57 |
| Total federal loans (one year) | $463,737 |
The median student at Empire Beauty School-Pottsville borrows $6,333 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $10,231 |
| Students who withdrew | $4,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Empire Beauty School-Pottsville.
| 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 gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Empire Beauty School-Pottsville.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Empire Beauty School-Pottsville.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 265 | $6,222 |
| Completed (graduates) | 169 | $6,974 |
| Did not complete | 96 | $5,271 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $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-Pottsville.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 252 | — |
| No Stafford loan this year | 13 | — |
These figures turn the debt totals into a monthly repayment picture for Empire Beauty School-Pottsville.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Empire Beauty School-Pottsville is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.8% |
| Borrowers in the cohort | 371 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
| Middle income | $7,418 |
| High income | $6,333 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,018 |
Dependency-Status Comparison
| 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-Pottsville.
The Difference Between 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.
Worth Knowing
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.