by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Paul Mitchell the School Bradley— 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 Paul Mitchell the School Bradley, 88% of first-year students take on loan debt, at roughly $7,273 each, across private and federal loan sources.
Federal loans alone average $7,273. 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.
Looking at all undergraduates at Paul Mitchell the School Bradley, freshmen included, 61% borrow through federal student loan programs, at an average of $7,086 per year. That is 2.6% lower than the freshman federal average of $7,273.
Repeating that yearly amount projects to about $14,172 across two years and $28,344 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 61% |
| Average federal loan per year | $7,086 |
| Undergraduates with a federal loan | 173 |
| Total federal loans (one year) | $1,225,804 |
The median student at Paul Mitchell the School Bradley 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 | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Paul Mitchell the School Bradley.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,917 |
| 25th percentile | $4,750 |
| 75th percentile | $11,642 |
| 90th percentile (highest-debt students) | $15,739 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Paul Mitchell the School Bradley.
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 Paul Mitchell the School Bradley.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 78 | $12,301 |
| Completed (graduates) | 58 | $12,372 |
| Did not complete | 20 | $8,088 |
On a standard 10-year plan, the median completing borrower would pay about $147.12/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. Paul Mitchell the School Bradley.
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 Bradley is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.5% |
| Borrowers in the cohort | 168 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $7,917 |
| Middle income | $7,858 |
| High income | $5,531 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,917 |
| Continuing-generation students | $7,917 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $7,917 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Paul Mitchell the School Bradley.
The Difference Between 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.
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.