by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Kaizen Beauty Academy— 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.
Looking at the entering class at Kaizen Beauty Academy, 26% of incoming undergraduates borrow in year one, averaging $3,203 each — a figure that counts both private and federal student loans.
The average federal loan is $3,203, amounting to 58.2% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at Kaizen Beauty Academy, freshmen included, 14% borrow through federal student loan programs, borrowing on average $2,972 per year. This works out to 7.2% smaller than the $3,203 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $5,944 over two years and about $11,888 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 14% |
| Average federal loan per year | $2,972 |
| Undergraduates with a federal loan | 28 |
| Total federal loans (one year) | $83,203 |
The middle borrower at Kaizen Beauty Academy owes $5,200 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,200 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $3,556 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
These figures turn the debt totals into a monthly repayment picture for Kaizen Beauty Academy.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $5,300 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,666 |
| Independent students | $5,500 |
The Difference Between 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.
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.