by our College Data Analytics TeamThis page focuses on the debt students take on to attend Paul Mitchell the School Cincinnati: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Looking at the entering class at Paul Mitchell the School Cincinnati, 82% of freshmen borrow to help pay for their first year, with a typical loan of $8,440 per borrower, covering both private and federal loans.
On the federal side, the average loan is $8,440. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at Paul Mitchell the School Cincinnati, 58% use federal student loans to help pay for their education, at an average of $7,952 each per year. It comes to 5.8% less than the $8,440 freshmen take on.
Carrying that yearly figure forward comes to roughly $15,904 over two years and about $31,808 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 58% |
| Average federal loan per year | $7,952 |
| Undergraduates with a federal loan | 209 |
| Total federal loans (one year) | $1,662,049 |
Graduating and withdrawing students at Paul Mitchell the School Cincinnati carry a median federal debt of $9,833 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,833 |
| 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.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Paul Mitchell the School Cincinnati.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $6,333 |
| 75th percentile | $16,500 |
| 90th percentile (highest-debt students) | $16,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Paul Mitchell the School Cincinnati.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Paul Mitchell the School Cincinnati.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 84 | $8,812 |
| Completed (graduates) | 61 | $8,812 |
| Did not complete | 23 | $8,662 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $104.78/mo.
These figures turn the debt totals into a monthly repayment picture for Paul Mitchell the School Cincinnati.
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 Paul Mitchell the School Cincinnati appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.0% |
| Borrowers in the cohort | 125 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,833 |
| High income | $9,833 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,833 |
| Continuing-generation students | $9,833 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,833 |
| Independent students | $12,868 |
Federal data publishes the following gap measures for Paul Mitchell the School Cincinnati.
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.
Important to Remember
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.