by our College Data Analytics TeamHere you will find what students actually borrow to attend Paul Mitchell the School Boise: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
For incoming students at Paul Mitchell the School Boise, 89% of incoming undergraduates borrow in year one, for an average of $6,069 per student, private and federal loans combined.
The typical federal loan comes to $6,069. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Paul Mitchell the School Boise, 53% use federal student loans to help pay for their education, for a typical $6,635 per year. That amounts to 9.3% more than the $6,069 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $13,270 over two years and about $26,540 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 53% |
| Average federal loan per year | $6,635 |
| Undergraduates with a federal loan | 147 |
| Total federal loans (one year) | $975,307 |
The median student at Paul Mitchell the School Boise borrows $9,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $10,555 |
| Students who withdrew | $4,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Paul Mitchell the School Boise.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,886 |
| 25th percentile | $4,750 |
| 75th percentile | $13,666 |
| 90th percentile (highest-debt students) | $20,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Paul Mitchell the School Boise.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Paul Mitchell the School Boise.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 57 | $8,192 |
These figures turn the debt totals into a monthly repayment picture for Paul Mitchell the School Boise.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Paul Mitchell the School Boise appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.5% |
| Borrowers in the cohort | 133 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $10,556 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Paul Mitchell the School Boise.
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
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.