by our College Data Analytics TeamHere you will find what students actually borrow to attend Milan Institute of Cosmetology-San Antonio Military— 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 Milan Institute of Cosmetology-San Antonio Military, 63% of first-year students take on loan debt, for an average of $4,964 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $4,964, which is 90.3% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Milan Institute of Cosmetology-San Antonio Military, 61% take out federal student loans, borrowing on average $4,859 per year. It comes to 2.1% lower than the first-year federal average of $4,964.
Borrowing the same amount each year would add up to roughly $9,718 by year two and around $19,436 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 61% |
| Average federal loan per year | $4,859 |
| Undergraduates with a federal loan | 236 |
| Total federal loans (one year) | $1,146,724 |
The middle borrower at Milan Institute of Cosmetology-San Antonio Military owes $6,070 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,070 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $4,171 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Milan Institute of Cosmetology-San Antonio Military.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,872 |
| 25th percentile | $4,750 |
| 75th percentile | $10,555 |
| 90th percentile (highest-debt students) | $16,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Milan Institute of Cosmetology-San Antonio Military.
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 Milan Institute of Cosmetology-San Antonio Military.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 85 | $4,990 |
| Completed (graduates) | 60 | $5,578 |
| Did not complete | 25 | $3,750 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $66.33/mo.
Federal data lets us separate Stafford borrowers from the rest at Milan Institute of Cosmetology-San Antonio Military.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 72 | — |
| No Stafford loan this year | 13 | — |
The indicators below describe what the typical debt costs to pay back at Milan Institute of Cosmetology-San Antonio Military.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Milan Institute of Cosmetology-San Antonio Military is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 21.5% |
| Borrowers in the cohort | 1278 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,222 |
| Middle income | $6,078 |
| High income | $4,584 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,078 |
| Continuing-generation students | $5,768 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,584 |
| Independent students | $6,333 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Milan Institute of Cosmetology-San Antonio Military.
Subsidized vs. Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.