by our College Data Analytics TeamHere you will find what students actually borrow to attend Kenneth Shuler School of Cosmetology-Columbia— 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.
Among first-year students at Kenneth Shuler School of Cosmetology-Columbia, 96% of incoming undergraduates borrow in year one, at roughly $5,167 each, across private and federal loan sources.
Federal loans alone average $5,167, which is 93.9% of the typical first-year dependent student borrowing cap of $5,500. 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 Kenneth Shuler School of Cosmetology-Columbia, 64% rely on federal student loans toward their education, borrowing on average $5,155 each per year. This is 0.2% under the $5,167 freshmen take on.
Borrowing at that rate every year works out to about $10,310 over two years and about $20,620 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 | 64% |
| Average federal loan per year | $5,155 |
| Undergraduates with a federal loan | 94 |
| Total federal loans (one year) | $484,544 |
The median student at Kenneth Shuler School of Cosmetology-Columbia borrows $5,775 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,775 |
| Students who completed (graduates) | $5,858 |
| Students who withdrew | $4,704 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Kenneth Shuler School of Cosmetology-Columbia.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,756 |
| 25th percentile | $4,750 |
| 75th percentile | $9,916 |
| 90th percentile (highest-debt students) | $13,992 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Kenneth Shuler School of Cosmetology-Columbia.
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 Kenneth Shuler School of Cosmetology-Columbia.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 200 | $5,902 |
| Completed (graduates) | 134 | $6,384 |
| Did not complete | 66 | $5,283 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $75.91/mo.
Federal data lets us separate Stafford borrowers from the rest at Kenneth Shuler School of Cosmetology-Columbia.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 186 | — |
| No Stafford loan this year | 14 | — |
The indicators below describe what the typical debt costs to pay back at Kenneth Shuler School of Cosmetology-Columbia.
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 Kenneth Shuler School of Cosmetology-Columbia appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.6% |
| Borrowers in the cohort | 366 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $5,825 |
| Middle income | $5,724 |
| High income | $4,750 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,775 |
| Continuing-generation students | $5,825 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,250 |
| Independent students | $5,825 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Kenneth Shuler School of Cosmetology-Columbia.
Subsidized vs. 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.