by our College Data Analytics TeamHere you will find what students actually borrow to attend Paul Mitchell the School Houston, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Paul Mitchell the School Houston specifically, 62% of first-year students take on loan debt, for an average of $6,276 per student, private and federal loans combined.
The typical federal loan comes to $6,276. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at Paul Mitchell the School Houston, freshmen included, 48% use federal student loans to help pay for their education, averaging $6,465 per year. This works out to 3.0% above the $6,276 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $12,930 after two years and $25,860 over a four-year span. 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 | $6,465 |
| Undergraduates with a federal loan | 252 |
| Total federal loans (one year) | $1,629,060 |
The middle borrower at Paul Mitchell the School Houston owes $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $11,336 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Paul Mitchell the School Houston.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,130 |
| 25th percentile | $5,500 |
| 75th percentile | $15,892 |
| 90th percentile (highest-debt students) | $16,500 |
How wide this percentile range is tells you how much borrowing varies across students at Paul Mitchell the School Houston.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Paul Mitchell the School Houston.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 120 | $8,871 |
| Completed (graduates) | 74 | $9,146 |
| Did not complete | 46 | $5,985 |
On a standard 10-year plan, the median completing borrower would pay about $108.76/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Paul Mitchell the School Houston.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 110 | — |
| No Stafford loan this year | 10 | — |
These figures turn the debt totals into a monthly repayment picture for Paul Mitchell the School Houston.
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 Houston is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.5% |
| Borrowers in the cohort | 152 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,833 |
| High income | $9,833 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,833 |
| Continuing-generation students | $9,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,292 |
| Independent students | $10,666 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Paul Mitchell the School Houston.
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.
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.