by our College Data Analytics TeamHere you will find what students actually borrow to attend Ogle School Hair Skin Nails-San Antonio— 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.
Among first-year students at Ogle School, 57% of incoming students take out a loan to help cover first-year costs, for an average of $6,199 per student, private and federal loans combined.
On the federal side, the average loan is $6,199. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at Ogle School, 54% rely on federal student loans toward their education, with a mean of $5,793 a year. That is 6.5% smaller than the $6,199 freshmen take on.
Carrying that yearly figure forward comes to roughly $11,586 across two years and $23,172 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 54% |
| Average federal loan per year | $5,793 |
| Undergraduates with a federal loan | 414 |
| Total federal loans (one year) | $2,398,365 |
Graduating and withdrawing students at Ogle School carry a median federal debt of $7,916 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,916 |
| Students who completed (graduates) | $7,917 |
| Students who withdrew | $3,959 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Ogle School.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,417 |
| 75th percentile | $9,960 |
| 90th percentile (highest-debt students) | $13,714 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Ogle School.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Ogle School.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 235 | $8,045 |
| Completed (graduates) | 183 | $8,575 |
| Did not complete | 52 | $4,960 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $101.97/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Ogle School.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 211 | $8,144 |
| No Stafford loan this year | 24 | $4,519 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Ogle School.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Ogle School follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.0% |
| Borrowers in the cohort | 240 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,917 |
| Middle income | $7,917 |
| High income | $4,841 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,916 |
| Continuing-generation students | $7,592 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,982 |
| Independent students | $7,917 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Ogle School.
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.
Worth Knowing
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.