by our College Data Analytics TeamHere you will find what students actually borrow to attend Paul Mitchell the School Costa Mesa, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Paul Mitchell the School Costa Mesa, 48% of first-year students take on loan debt, for an average of $6,779 per student, private and federal loans combined.
Federal loans alone average $6,779. 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.
Across the full undergraduate body at Paul Mitchell the School Costa Mesa (freshmen included), 48% rely on federal student loans toward their education, with a mean of $4,327 in federal loans per year. That is 36.2% smaller than the freshman federal average of $6,779.
Borrowing at that rate every year works out to about $8,654 by year two and around $17,308 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 | 48% |
| Average federal loan per year | $4,327 |
| Undergraduates with a federal loan | 315 |
| Total federal loans (one year) | $1,363,066 |
Graduating and withdrawing students at Paul Mitchell the School Costa Mesa carry a median federal debt of $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $13,000 |
| Students who withdrew | $5,949 |
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 Costa Mesa.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,596 |
| 25th percentile | $5,500 |
| 75th percentile | $13,000 |
| 90th percentile (highest-debt students) | $16,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Paul Mitchell the School Costa Mesa.
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 Costa Mesa.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 265 | $7,900 |
| Completed (graduates) | 180 | $9,276 |
| Did not complete | 85 | $6,275 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $110.3/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Paul Mitchell the School Costa Mesa.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 23 | $8,925 |
| No Stafford loan this year | 242 | $7,500 |
The indicators below describe what the typical debt costs to pay back at Paul Mitchell the School Costa Mesa.
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 Costa Mesa is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.2% |
| Borrowers in the cohort | 957 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,584 |
| Independent students | $12,587 |
The Difference Between Subsidized and 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.
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.