by our College Data Analytics TeamThis page focuses on the debt students take on to attend Paul Mitchell the School Modesto— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Paul Mitchell the School Modesto, 74% of first-year students take on loan debt, borrowing on average $6,782 per student, private and federal loans combined.
The typical federal loan comes to $6,782. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Paul Mitchell the School Modesto, 64% finance part of their studies with federal loans, at an average of $5,696 annually. That amounts to 16.0% smaller than the first-year federal average of $6,782.
Repeating that yearly amount projects to about $11,392 over two years and about $22,784 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 64% |
| Average federal loan per year | $5,696 |
| Undergraduates with a federal loan | 302 |
| Total federal loans (one year) | $1,720,311 |
Graduating and withdrawing students at Paul Mitchell the School Modesto carry a median federal debt of $6,211 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,211 |
| Students who completed (graduates) | $6,211 |
| Students who withdrew | $4,686 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Paul Mitchell the School Modesto.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,947 |
| 25th percentile | $4,253 |
| 75th percentile | $10,448 |
| 90th percentile (highest-debt students) | $13,692 |
How wide this percentile range is tells you how much borrowing varies across students at Paul Mitchell the School Modesto.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Paul Mitchell the School Modesto.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 64 | $6,784 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Paul Mitchell the School Modesto.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Paul Mitchell the School Modesto follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.7% |
| Borrowers in the cohort | 17 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,211 |
| Middle income | $6,211 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,211 |
| Continuing-generation students | $6,211 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,211 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Paul Mitchell the School Modesto.
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
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.