by our College Data Analytics TeamThis page focuses on the debt students take on to attend Manuel and Theresa’s School of Hair Design-Bryan, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For incoming students at Manuel and Theresa’s School of Hair Design-Bryan, 85% of incoming students take out a loan to help cover first-year costs, at roughly $5,272 each, across private and federal loan sources.
The average federal loan is $5,272, or about 95.9% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at Manuel and Theresa’s School of Hair Design-Bryan (freshmen included), 71% finance part of their studies with federal loans, for a typical $5,810 per year. That amounts to 10.2% more than the $5,272 freshmen take on.
At a steady annual pace, that totals around $11,620 across two years and $23,240 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 71% |
| Average federal loan per year | $5,810 |
| Undergraduates with a federal loan | 20 |
| Total federal loans (one year) | $116,198 |
Graduating and withdrawing students at Manuel and Theresa’s School of Hair Design-Bryan carry a median federal debt of $6,692 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,692 |
| Students who completed (graduates) | $7,924 |
| Students who withdrew | $4,070 |
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 Manuel and Theresa’s School of Hair Design-Bryan.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $6,549 |
| 75th percentile | $9,500 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Manuel and Theresa’s School of Hair Design-Bryan.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Manuel and Theresa’s School of Hair Design-Bryan is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.6% |
| Borrowers in the cohort | 32 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,271 |
| Independent students | $7,615 |
Subsidized and 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.