by our College Data Analytics TeamBelow is federal data on the loans students use to pay for La Belle Beauty Academy— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
For incoming students at La Belle Beauty Academy, 15% of first-year students take on loan debt, borrowing on average $8,149 each, across private and federal loan sources.
On the federal side, the average loan is $8,149. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at La Belle Beauty Academy, 40% finance part of their studies with federal loans, borrowing on average $8,149 in federal loans per year.
Repeating that yearly amount projects to about $16,298 over two years and about $32,596 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 40% |
| Average federal loan per year | $8,149 |
| Undergraduates with a federal loan | 95 |
| Total federal loans (one year) | $774,149 |
Graduating and withdrawing students at La Belle Beauty Academy carry a median federal debt of $5,909 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,909 |
| Students who completed (graduates) | $7,502 |
| Students who withdrew | $2,982 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for La Belle Beauty Academy.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,769 |
| 25th percentile | $4,068 |
| 75th percentile | $7,537 |
| 90th percentile (highest-debt students) | $7,537 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at La Belle Beauty Academy.
These figures turn the debt totals into a monthly repayment picture for La Belle Beauty Academy.
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 La Belle Beauty Academy follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.1% |
| Borrowers in the cohort | 193 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $5,909 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,584 |
| Independent students | $5,938 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at La Belle Beauty Academy.
Subsidized vs. 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.
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.