by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Empire Beauty School-York: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Empire Beauty School-York, 69% of freshmen borrow to help pay for their first year, with a typical loan of $7,971 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $7,971. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at Empire Beauty School-York, 54% take out federal student loans, averaging $8,177 a year. This works out to 2.6% higher than the freshman federal average of $7,971.
Carrying that yearly figure forward comes to roughly $16,354 after two years and $32,708 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 54% |
| Average federal loan per year | $8,177 |
| Undergraduates with a federal loan | 82 |
| Total federal loans (one year) | $670,519 |
Graduating and withdrawing students at Empire Beauty School-York 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Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Empire Beauty School-York.
| 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-York.
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-York.
| 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.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Empire Beauty School-York.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 443 | $6,694 |
| No Stafford loan this year | 22 | $4,672 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Empire Beauty School-York.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Empire Beauty School-York follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.9% |
| Borrowers in the cohort | 316 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,667 |
| Middle income | $7,972 |
| High income | $7,917 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,667 |
| Continuing-generation students | $7,917 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,667 |
| Independent students | $7,917 |
Federal data publishes the following gap measures for Empire Beauty School-York.
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.
Did You Know?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.