by our College Data Analytics TeamThis page focuses on the debt students take on to attend Empire Beauty School-Tampa: 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-Tampa, 51% of first-year students take on loan debt, at roughly $7,781 each, across private and federal loan sources.
The average federally funded loan is $7,781. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at Empire Beauty School-Tampa, 54% use federal student loans to help pay for their education, averaging $8,043 per year. That amounts to 3.4% more than the freshman federal average of $7,781.
Repeating that yearly amount projects to about $16,086 over two years and about $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 | 54% |
| Average federal loan per year | $8,043 |
| Undergraduates with a federal loan | 96 |
| Total federal loans (one year) | $772,145 |
Graduating and withdrawing students at Empire Beauty School-Tampa carry a median federal debt of $7,851 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,851 |
| Students who completed (graduates) | $10,667 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Empire Beauty School-Tampa.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $12,322 |
| 90th percentile (highest-debt students) | $14,604 |
How wide this percentile range is tells you how much borrowing varies across students at Empire Beauty School-Tampa.
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-Tampa.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 465 | $6,605 |
| Completed (graduates) | 270 | $7,460 |
| Did not complete | 195 | $4,968 |
On a standard 10-year plan, the median completing borrower would pay about $88.71/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-Tampa.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 443 | $6,694 |
| No Stafford loan this year | 22 | $4,672 |
The indicators below describe what the typical debt costs to pay back at Empire Beauty School-Tampa.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Empire Beauty School-Tampa appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.9% |
| Borrowers in the cohort | 316 |
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 | $7,667 |
| Middle income | $7,972 |
| High income | $7,917 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,667 |
| Continuing-generation students | $7,917 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,667 |
| Independent students | $7,917 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Empire Beauty School-Tampa.
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
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.