by our College Data Analytics TeamThis page focuses on the debt students take on to attend Empire Beauty School-Rochester, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Empire Beauty School-Rochester, 62% of incoming students take out a loan to help cover first-year costs, for an average of $7,875 each — a figure that counts both private and federal student loans.
Federal loans alone average $7,875. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Empire Beauty School-Rochester, 61% finance part of their studies with federal loans, borrowing on average $8,043 each per year. This works out to 2.1% more than the $7,875 freshmen take on.
Borrowing at that rate every year works out to about $16,086 after two years and $32,172 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 61% |
| Average federal loan per year | $8,043 |
| Undergraduates with a federal loan | 86 |
| Total federal loans (one year) | $691,714 |
The median student at Empire Beauty School-Rochester borrows $6,222 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,222 |
| 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.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Empire Beauty School-Rochester.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $10,274 |
| 90th percentile (highest-debt students) | $12,953 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Empire Beauty School-Rochester.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Empire Beauty School-Rochester.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 385 | $5,000 |
| Completed (graduates) | 200 | $6,811 |
| Did not complete | 185 | $4,181 |
On a standard 10-year plan, the median completing borrower would pay about $80.99/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Empire Beauty School-Rochester.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 368 | — |
| No Stafford loan | 17 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 352 | $5,000 |
| No Stafford loan this year | 33 | $3,838 |
These figures turn the debt totals into a monthly repayment picture for Empire Beauty School-Rochester.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Empire Beauty School-Rochester is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.6% |
| Borrowers in the cohort | 900 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,222 |
| Middle income | $6,222 |
| High income | $6,152 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,222 |
| Continuing-generation students | $6,222 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,222 |
| Independent students | $7,925 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Empire Beauty School-Rochester.
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.
Worth Knowing
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.