by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Empire Beauty School-West Mifflin, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at Empire Beauty School-West Mifflin, 79% of incoming undergraduates borrow in year one, for an average of $7,124 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $7,124. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Across the full undergraduate body at Empire Beauty School-West Mifflin (freshmen included), 60% use federal student loans to help pay for their education, for a typical $8,111 a year. That is 13.9% larger than the $7,124 freshmen take on.
At a steady annual pace, that totals around $16,222 over two years and about $32,444 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 | 60% |
| Average federal loan per year | $8,111 |
| Undergraduates with a federal loan | 71 |
| Total federal loans (one year) | $575,897 |
The median student at Empire Beauty School-West Mifflin borrows $8,028 in federal borrowing.
| 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Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Empire Beauty School-West Mifflin.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at Empire Beauty School-West Mifflin.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Empire Beauty School-West Mifflin.
| 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.
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-West Mifflin.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 332 | — |
| No Stafford loan | 17 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 324 | $6,294 |
| No Stafford loan this year | 25 | $4,212 |
The indicators below describe what the typical debt costs to pay back at Empire Beauty School-West Mifflin.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Empire Beauty School-West Mifflin appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.0% |
| Borrowers in the cohort | 327 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| 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 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,667 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Empire Beauty School-West Mifflin.
The Difference Between Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
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.