by our College Data Analytics TeamHere you will find what students actually borrow to attend Empire Beauty School-Stone Park: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Empire Beauty School-Stone Park, 64% of first-year students take on loan debt, averaging $7,807 each, across private and federal loan sources.
The typical federal loan comes to $7,807. 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-Stone Park, freshmen included, 56% take out federal student loans, with a mean of $8,186 per year. This works out to 4.9% above the first-year federal average of $7,807.
Repeating that yearly amount projects to about $16,372 in two years and roughly $32,744 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 56% |
| Average federal loan per year | $8,186 |
| Undergraduates with a federal loan | 114 |
| Total federal loans (one year) | $933,233 |
The median student at Empire Beauty School-Stone Park borrows $7,050 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,050 |
| Students who completed (graduates) | $13,583 |
| 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.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Empire Beauty School-Stone Park.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $12,803 |
| 90th percentile (highest-debt students) | $15,322 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Empire Beauty School-Stone Park.
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-Stone Park.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 370 | $6,689 |
| Completed (graduates) | 196 | $8,974 |
| Did not complete | 174 | $4,813 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $106.71/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-Stone Park.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 356 | — |
| No Stafford loan | 14 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 330 | $6,860 |
| No Stafford loan this year | 40 | $4,379 |
These figures turn the debt totals into a monthly repayment picture for Empire Beauty School-Stone Park.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Empire Beauty School-Stone Park appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.5% |
| Borrowers in the cohort | 200 |
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 | $6,333 |
| Middle income | $8,028 |
| High income | $8,028 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,010 |
| Continuing-generation students | $7,740 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,023 |
| Independent students | $6,393 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Empire Beauty School-Stone Park.
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.