by our College Data Analytics TeamHere you will find what students actually borrow to attend Raphael’s School of Beauty Culture Inc-Brunswick, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Raphael’s School of Beauty Culture Inc-Brunswick, 64% of first-year students take on loan debt, at roughly $6,739 each, across private and federal loan sources.
The average federal loan is $6,739. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Raphael’s School of Beauty Culture Inc-Brunswick, 47% take out federal student loans, borrowing on average $6,685 annually. This is 0.8% lower than the $6,739 typical freshmen borrow.
Repeating that yearly amount projects to about $13,370 over two years and about $26,740 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 47% |
| Average federal loan per year | $6,685 |
| Undergraduates with a federal loan | 66 |
| Total federal loans (one year) | $441,198 |
The middle borrower at Raphael’s School of Beauty Culture Inc-Brunswick owes $6,251 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,251 |
| Students who completed (graduates) | $7,538 |
| Students who withdrew | $3,788 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Raphael’s School of Beauty Culture Inc-Brunswick.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $3,750 |
| 75th percentile | $8,990 |
| 90th percentile (highest-debt students) | $11,000 |
How wide this percentile range is tells you how much borrowing varies across students at Raphael’s School of Beauty Culture Inc-Brunswick.
These figures turn the debt totals into a monthly repayment picture for Raphael’s School of Beauty Culture Inc-Brunswick.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Raphael’s School of Beauty Culture Inc-Brunswick is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.2% |
| Borrowers in the cohort | 112 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,251 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,251 |
| Continuing-generation students | $7,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $7,311 |
Federal data publishes the following gap measures for Raphael’s School of Beauty Culture Inc-Brunswick.
The Difference Between Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Did You Know?
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.