by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Paul Mitchell the School Esani— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Paul Mitchell the School Esani, 67% of first-year students take on loan debt, for an average of $7,949 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $7,949. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at Paul Mitchell the School Esani, 61% take out federal student loans, averaging $6,809 each per year. That amounts to 14.3% under the first-year federal average of $7,949.
At a steady annual pace, that totals around $13,618 across two years and $27,236 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 61% |
| Average federal loan per year | $6,809 |
| Undergraduates with a federal loan | 342 |
| Total federal loans (one year) | $2,328,608 |
The median student at Paul Mitchell the School Esani borrows $9,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,833 |
| Students who withdrew | $4,943 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Paul Mitchell the School Esani.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $5,500 |
| 75th percentile | $11,500 |
| 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 Esani.
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 Esani.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 69 | $10,468 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Paul Mitchell the School Esani.
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 Esani follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.0% |
| Borrowers in the cohort | 175 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,833 |
| Middle income | $9,500 |
| High income | $6,222 |
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 | $7,017 |
| Independent students | $10,667 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Paul Mitchell the School Esani.
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.
Did You Know?
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.