by our College Data Analytics TeamThis page focuses on the debt students take on to attend Manuel and Theresa’s School of Hair Design-Victoria— 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 Manuel and Theresa’s School of Hair Design-Victoria specifically, 74% of first-year students take on loan debt, with a typical loan of $5,667 each, across private and federal loan sources.
Federal loans alone average $5,667. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at Manuel and Theresa’s School of Hair Design-Victoria (freshmen included), 76% borrow through federal student loan programs, averaging $5,040 per year. That is 11.1% smaller than the freshman federal average of $5,667.
At a steady annual pace, that totals around $10,080 across two years and $20,160 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 76% |
| Average federal loan per year | $5,040 |
| Undergraduates with a federal loan | 19 |
| Total federal loans (one year) | $95,761 |
Graduating and withdrawing students at Manuel and Theresa’s School of Hair Design-Victoria carry a median federal debt of $6,692 of cumulative federal debt.
| 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-Victoria.
| 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-Victoria.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Manuel and Theresa’s School of Hair Design-Victoria is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.6% |
| Borrowers in the cohort | 32 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
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.
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.