by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Estelle Skin Care and Spa Institute: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
For incoming students at Estelle Skin Care and Spa Institute, 64% of incoming undergraduates borrow in year one, averaging $6,613 each — a figure that counts both private and federal student loans.
The average federally funded loan is $6,613. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Estelle Skin Care and Spa Institute, freshmen included, 45% rely on federal student loans toward their education, borrowing on average $6,705 a year. That is 1.4% higher than the $6,613 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $13,410 in two years and roughly $26,820 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 45% |
| Average federal loan per year | $6,705 |
| Undergraduates with a federal loan | 100 |
| Total federal loans (one year) | $670,533 |
The middle borrower at Estelle Skin Care and Spa Institute owes $7,136 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,136 |
| Students who completed (graduates) | $7,136 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Estelle Skin Care and Spa Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,584 |
| 25th percentile | $6,035 |
| 75th percentile | $7,917 |
| 90th percentile (highest-debt students) | $7,917 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Estelle Skin Care and Spa Institute.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Estelle Skin Care and Spa Institute.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 26 | $7,415 |
The indicators below describe what the typical debt costs to pay back at Estelle Skin Care and Spa Institute.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Estelle Skin Care and Spa Institute is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 2 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,136 |
| Middle income | $7,917 |
| High income | $4,584 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,136 |
| Continuing-generation students | $6,934 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,584 |
| Independent students | $7,917 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Estelle Skin Care and Spa Institute.
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.
Important to Remember
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.