by our College Data Analytics TeamHere you will find what students actually borrow to attend LaBarberia Institute of Hair— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
At LaBarberia Institute of Hair, 80% of incoming undergraduates borrow in year one, at roughly $8,684 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $8,684. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at LaBarberia Institute of Hair, freshmen included, 73% borrow through federal student loan programs, borrowing on average $9,334 in federal loans per year. This works out to 7.5% larger than the freshman federal average of $8,684.
Repeating that yearly amount projects to about $18,668 in two years and roughly $37,336 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 73% |
| Average federal loan per year | $9,334 |
| Undergraduates with a federal loan | 243 |
| Total federal loans (one year) | $2,268,126 |
The median student at LaBarberia Institute of Hair borrows $12,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $20,000 |
| Students who withdrew | $6,886 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for LaBarberia Institute of Hair.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $9,500 |
| 75th percentile | $20,000 |
| 90th percentile (highest-debt students) | $20,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at LaBarberia Institute of Hair.
Repayment burden translates the debt figures into what a borrower actually pays each month. LaBarberia Institute of Hair.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $12,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $10,304 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,375 |
| Independent students | $14,750 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at LaBarberia Institute of Hair.
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
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.