by our College Data Analytics TeamThis page focuses on the debt students take on to attend Empire Beauty School-Tucson— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Among first-year students at Empire Beauty School-Tucson, 49% of new students use loans toward freshman-year expenses, averaging $6,291 each — a figure that counts both private and federal student loans.
The average federally funded loan is $6,291. That is at or past the $5,500 federal first-year limit for 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-Tucson, 47% use federal student loans to help pay for their education, at an average of $6,406 annually. That is 1.8% greater than the $6,291 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $12,812 in two years and roughly $25,624 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 47% |
| Average federal loan per year | $6,406 |
| Undergraduates with a federal loan | 166 |
| Total federal loans (one year) | $1,063,439 |
The median student at Empire Beauty School-Tucson borrows $8,028 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,028 |
| Students who completed (graduates) | $13,000 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Empire Beauty School-Tucson.
| 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 gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Empire Beauty School-Tucson.
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-Tucson.
| 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-Tucson.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 332 | — |
| No Stafford loan | 17 | — |
Borrowers With a Stafford Loan This Year
| 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-Tucson.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Empire Beauty School-Tucson is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.0% |
| Borrowers in the cohort | 327 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,955 |
| Middle income | $8,028 |
| High income | $8,025 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,028 |
| Continuing-generation students | $8,028 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,667 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Empire Beauty School-Tucson.
The Difference Between Subsidized and 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
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.