by our College Data Analytics TeamThis page focuses on the debt students take on to attend Ogle School Hair Skin Nails-Stafford— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At Ogle School, 64% of freshmen borrow to help pay for their first year, for an average of $6,172 per student, private and federal loans combined.
Federal loans alone average $6,172. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at Ogle School, 61% rely on federal student loans toward their education, borrowing on average $5,729 in federal loans per year. That amounts to 7.2% smaller than the $6,172 freshmen take on.
At a steady annual pace, that totals around $11,458 across two years and $22,916 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 61% |
| Average federal loan per year | $5,729 |
| Undergraduates with a federal loan | 578 |
| Total federal loans (one year) | $3,311,391 |
The median student at Ogle School borrows $7,917 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,917 |
| 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Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Ogle School.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,917 |
| 25th percentile | $4,582 |
| 75th percentile | $9,714 |
| 90th percentile (highest-debt students) | $13,252 |
How wide this percentile range is tells you how much borrowing varies across students at Ogle School.
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 Ogle School.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 188 | $7,428 |
| Completed (graduates) | 141 | $8,200 |
| Did not complete | 47 | $5,000 |
On a standard 10-year plan, the median completing borrower would pay about $97.51/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Ogle School.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 173 | — |
| No Stafford loan this year | 15 | — |
These figures turn the debt totals into a monthly repayment picture for Ogle School.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Ogle School appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.9% |
| Borrowers in the cohort | 177 |
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 | $7,917 |
| Middle income | $7,915 |
| High income | $6,222 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,916 |
| Continuing-generation students | $7,917 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,121 |
| Independent students | $7,917 |
Federal data publishes the following gap measures for Ogle School.
The Difference Between Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
Important to Remember
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.