by our College Data Analytics TeamThis page focuses on the debt students take on to attend Paul Mitchell the School Fayetteville, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Paul Mitchell the School Fayetteville, 76% of freshmen borrow to help pay for their first year, averaging $8,700 each — a figure that counts both private and federal student loans.
The average federal loan is $8,700. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. 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 Fayetteville, 63% take out federal student loans, averaging $7,961 each per year. That amounts to 8.5% less than the $8,700 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $15,922 after two years and $31,844 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 63% |
| Average federal loan per year | $7,961 |
| Undergraduates with a federal loan | 159 |
| Total federal loans (one year) | $1,265,745 |
The middle borrower at Paul Mitchell the School Fayetteville owes $9,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $11,740 |
| 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 Fayetteville.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 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 Fayetteville.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Paul Mitchell the School Fayetteville.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 166 | $9,196 |
| Completed (graduates) | 122 | $9,196 |
| Did not complete | 44 | $5,912 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $109.35/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Paul Mitchell the School Fayetteville.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 155 | — |
| No Stafford loan this year | 11 | — |
The indicators below describe what the typical debt costs to pay back at Paul Mitchell the School Fayetteville.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Paul Mitchell the School Fayetteville appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.3% |
| Borrowers in the cohort | 60 |
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 |
| Middle income | $9,833 |
| High income | $9,833 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,416 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Paul Mitchell the School Fayetteville.
Subsidized vs. 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.
Worth Knowing
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.