by our College Data Analytics TeamThis page focuses on the debt students take on to attend San Francisco Institute of Esthetics & Cosmetology Inc: 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 SFIEC specifically, 59% of incoming undergraduates borrow in year one, at roughly $6,380 each, across private and federal loan sources.
The typical federal loan comes to $6,380. This is at or above the $5,500 first-year federal borrowing cap that applies to 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 SFIEC, freshmen included, 36% borrow through federal student loan programs, with a mean of $5,371 in federal loans per year. That is 15.8% under the freshman federal average of $6,380.
Carrying that yearly figure forward comes to roughly $10,742 by year two and around $21,484 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 36% |
| Average federal loan per year | $5,371 |
| Undergraduates with a federal loan | 120 |
| Total federal loans (one year) | $644,577 |
The middle borrower at SFIEC owes $6,333 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $6,333 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 SFIEC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,666 |
| 25th percentile | $5,290 |
| 75th percentile | $15,263 |
| 90th percentile (highest-debt students) | $17,667 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at SFIEC.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for SFIEC.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 48 | $8,743 |
| Completed (graduates) | 26 | $9,839 |
| Did not complete | 22 | $7,679 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $117.0/mo.
The indicators below describe what the typical debt costs to pay back at SFIEC.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for SFIEC is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.4% |
| Borrowers in the cohort | 94 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
| Middle income | $6,333 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,333 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,241 |
| Independent students | $6,333 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at SFIEC.
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.
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.