by our College Data Analytics TeamThis page focuses on the debt students take on to attend Paul Mitchell the School Sherman Oaks: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Paul Mitchell the School Sherman Oaks, 64% of freshmen borrow to help pay for their first year, borrowing on average $8,344 per borrower, covering both private and federal loans.
The average federal loan is $8,143. This meets or exceeds the $5,500 cap on first-year federal borrowing 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.
Counting every undergraduate at Paul Mitchell the School Sherman Oaks, 55% borrow through federal student loan programs, borrowing on average $7,719 a year. It comes to 5.2% under the $8,143 borrowed by freshmen.
Repeating that yearly amount projects to about $15,438 by year two and around $30,876 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 55% |
| Average federal loan per year | $7,719 |
| Undergraduates with a federal loan | 225 |
| Total federal loans (one year) | $1,736,809 |
The median student at Paul Mitchell the School Sherman Oaks borrows $9,583 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,583 |
| Students who completed (graduates) | $10,556 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Paul Mitchell the School Sherman Oaks.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,667 |
| 25th percentile | $5,833 |
| 75th percentile | $13,667 |
| 90th percentile (highest-debt students) | $17,667 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Paul Mitchell the School Sherman Oaks.
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 Sherman Oaks.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 56 | $9,550 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Paul Mitchell the School Sherman Oaks.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Paul Mitchell the School Sherman Oaks is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.0% |
| Borrowers in the cohort | 66 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $9,500 |
| Middle income | $9,807 |
| High income | $10,556 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,583 |
| Continuing-generation students | $9,639 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,807 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Paul Mitchell the School Sherman Oaks.
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.