by our College Data Analytics TeamHere you will find what students actually borrow to attend Ogle School Hair Skin Nails-Willowbrook: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
For incoming students at Ogle School Hair Skin Nails-Willowbrook, 68% of new students use loans toward freshman-year expenses, at roughly $6,156 each, across private and federal loan sources.
The average federally funded loan is $6,156. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at Ogle School Hair Skin Nails-Willowbrook, 61% take out federal student loans, at an average of $5,691 per year. It comes to 7.6% less than the freshman federal average of $6,156.
Repeating that yearly amount projects to about $11,382 over two years and about $22,764 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 61% |
| Average federal loan per year | $5,691 |
| Undergraduates with a federal loan | 525 |
| Total federal loans (one year) | $2,987,825 |
The median student at Ogle School Hair Skin Nails-Willowbrook borrows $7,917 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,917 |
| Students who completed (graduates) | $7,917 |
| Students who withdrew | $3,959 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Ogle School Hair Skin Nails-Willowbrook.
| 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 Hair Skin Nails-Willowbrook.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Ogle School Hair Skin Nails-Willowbrook.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 188 | $7,428 |
| Completed (graduates) | 141 | $8,200 |
| Did not complete | 47 | $5,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $97.51/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Ogle School Hair Skin Nails-Willowbrook.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 173 | — |
| No Stafford loan this year | 15 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Ogle School Hair Skin Nails-Willowbrook.
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 Hair Skin Nails-Willowbrook appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.9% |
| Borrowers in the cohort | 177 |
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.
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 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Ogle School Hair Skin Nails-Willowbrook.
Subsidized vs. 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.
Did You Know?
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.