by our College Data Analytics TeamHere you will find what students actually borrow to attend Stage One-The Hair School, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at Stage One-The Hair School, 77% of new students use loans toward freshman-year expenses, at roughly $4,347 per borrower, covering both private and federal loans.
The typical federal loan comes to $4,347, which is 79.0% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Stage One-The Hair School, 60% finance part of their studies with federal loans, at an average of $4,817 each per year. That amounts to 10.8% higher than the $4,347 borrowed by freshmen.
At a steady annual pace, that totals around $9,634 in two years and roughly $19,268 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 60% |
| Average federal loan per year | $4,817 |
| Undergraduates with a federal loan | 60 |
| Total federal loans (one year) | $289,000 |
The middle borrower at Stage One-The Hair School owes $8,250 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,250 |
| Students who completed (graduates) | $9,833 |
| Students who withdrew | $2,413 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Stage One-The Hair School.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,250 |
| 25th percentile | $4,500 |
| 75th percentile | $9,833 |
| 90th percentile (highest-debt students) | $12,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Stage One-The Hair School.
These figures turn the debt totals into a monthly repayment picture for Stage One-The Hair School.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Stage One-The Hair School follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 20.7% |
| Borrowers in the cohort | 77 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $7,585 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,333 |
| Independent students | $7,500 |
Federal data publishes the following gap measures for Stage One-The Hair School.
Subsidized vs. 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.
Did You Know?
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.