by our College Data Analytics TeamThis page focuses on the debt students take on to attend Paul Mitchell the School San Antonio— 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.
Looking at the entering class at Paul Mitchell the School San Antonio, 92% of new students use loans toward freshman-year expenses, with a typical loan of $10,399 per student, private and federal loans combined.
The average federal loan is $6,691. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at Paul Mitchell the School San Antonio (freshmen included), 46% borrow through federal student loan programs, at an average of $6,158 annually. That is 8.0% smaller than the freshman federal average of $6,691.
Borrowing at that rate every year works out to about $12,316 after two years and $24,632 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 | 46% |
| Average federal loan per year | $6,158 |
| Undergraduates with a federal loan | 246 |
| Total federal loans (one year) | $1,514,878 |
The median student at Paul Mitchell the School San Antonio borrows $7,457 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,457 |
| Students who completed (graduates) | $8,505 |
| Students who withdrew | $4,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Paul Mitchell the School San Antonio.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,346 |
| 25th percentile | $5,319 |
| 75th percentile | $12,886 |
| 90th percentile (highest-debt students) | $16,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Paul Mitchell the School San Antonio.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Paul Mitchell the School San Antonio.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 156 | $7,685 |
| Completed (graduates) | 111 | $8,864 |
| Did not complete | 45 | $6,026 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $105.4/mo.
Federal data lets us separate Stafford borrowers from the rest at Paul Mitchell the School San Antonio.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 143 | — |
| No Stafford loan this year | 13 | — |
These figures turn the debt totals into a monthly repayment picture for Paul Mitchell the School San Antonio.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Paul Mitchell the School San Antonio follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.5% |
| Borrowers in the cohort | 336 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,202 |
| Middle income | $7,917 |
| High income | $7,917 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,354 |
| Continuing-generation students | $7,917 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,222 |
| Independent students | $7,917 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Paul Mitchell the School San Antonio.
The Difference Between Subsidized and 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.