by our College Data Analytics TeamHere you will find what students actually borrow to attend Paul Mitchell the School Atlanta: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Paul Mitchell the School Atlanta specifically, 91% of new students use loans toward freshman-year expenses, borrowing on average $7,166 per student, private and federal loans combined.
On the federal side, the average loan is $7,166. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Paul Mitchell the School Atlanta, 58% borrow through federal student loan programs, borrowing on average $7,472 per year. It comes to 4.3% above the first-year federal average of $7,166.
Carrying that yearly figure forward comes to roughly $14,944 after two years and $29,888 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 58% |
| Average federal loan per year | $7,472 |
| Undergraduates with a federal loan | 250 |
| Total federal loans (one year) | $1,868,113 |
Graduating and withdrawing students at Paul Mitchell the School Atlanta carry a median federal debt of $6,844 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,844 |
| Students who completed (graduates) | $12,500 |
| Students who withdrew | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Paul Mitchell the School Atlanta.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,000 |
| 25th percentile | $5,500 |
| 75th percentile | $14,296 |
| 90th percentile (highest-debt students) | $16,500 |
How wide this percentile range is tells you how much borrowing varies across students at Paul Mitchell the School Atlanta.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Paul Mitchell the School Atlanta.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 76 | $7,750 |
| Completed (graduates) | 33 | $9,428 |
| Did not complete | 43 | $7,039 |
On a standard 10-year plan, the median completing borrower would pay about $112.11/mo.
These figures turn the debt totals into a monthly repayment picture for Paul Mitchell the School Atlanta.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Paul Mitchell the School Atlanta is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.2% |
| Borrowers in the cohort | 138 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,500 |
| Middle income | $5,871 |
| High income | $8,583 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,500 |
| Continuing-generation students | $8,889 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Paul Mitchell the School Atlanta.
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.
Did You Know?
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.