by our College Data Analytics TeamThis page focuses on the debt students take on to attend Federico Beauty Institute: 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 Federico Beauty Institute, 54% of new students use loans toward freshman-year expenses, borrowing on average $5,845 each — a figure that counts both private and federal student loans.
The average federally funded loan is $5,845. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at Federico Beauty Institute, 57% borrow through federal student loan programs, at an average of $5,179 a year. This is 11.4% lower than the first-year federal average of $5,845.
Repeating that yearly amount projects to about $10,358 over two years and about $20,716 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 57% |
| Average federal loan per year | $5,179 |
| Undergraduates with a federal loan | 226 |
| Total federal loans (one year) | $1,170,545 |
The median student at Federico Beauty Institute borrows $5,735 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,735 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $2,839 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Federico Beauty Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $4,750 |
| 75th percentile | $10,556 |
| 90th percentile (highest-debt students) | $16,095 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Federico Beauty Institute.
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 Federico Beauty Institute.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 53 | $6,763 |
These figures turn the debt totals into a monthly repayment picture for Federico Beauty Institute.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Federico Beauty Institute appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.9% |
| Borrowers in the cohort | 209 |
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 | $5,735 |
| Middle income | $6,333 |
| High income | $3,667 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,791 |
| Continuing-generation students | $5,672 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,666 |
| Independent students | $6,186 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Federico Beauty Institute.
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.
Important to Remember
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.