by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Rizzieri Aveda School for Beauty and Wellness: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At Rizzieri Aveda School for Beauty and Wellness specifically, 44% of first-year students take on loan debt, averaging $6,685 per borrower, covering both private and federal loans.
The average federal loan is $6,685. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Rizzieri Aveda School for Beauty and Wellness, freshmen included, 44% use federal student loans to help pay for their education, borrowing on average $5,734 each per year. This works out to 14.2% under the $6,685 typical freshmen borrow.
Repeating that yearly amount projects to about $11,468 across two years and $22,936 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 44% |
| Average federal loan per year | $5,734 |
| Undergraduates with a federal loan | 267 |
| Total federal loans (one year) | $1,531,077 |
The middle borrower at Rizzieri Aveda School for Beauty and Wellness owes $5,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $5,500 |
| Students who withdrew | $3,166 |
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 Rizzieri Aveda School for Beauty and Wellness.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,666 |
| 25th percentile | $5,436 |
| 75th percentile | $6,333 |
| 90th percentile (highest-debt students) | $9,500 |
How wide this percentile range is tells you how much borrowing varies across students at Rizzieri Aveda School for Beauty and Wellness.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Rizzieri Aveda School for Beauty and Wellness.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 65 | $7,585 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Rizzieri Aveda School for Beauty and Wellness.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Rizzieri Aveda School for Beauty and Wellness follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.3% |
| Borrowers in the cohort | 146 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,333 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Rizzieri Aveda School for Beauty and Wellness.
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
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.