by our College Data Analytics TeamThis page focuses on the debt students take on to attend The Beauty Institute, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at The Beauty Institute, 100% of incoming students take out a loan to help cover first-year costs, borrowing on average $11,226 each — a figure that counts both private and federal student loans.
The average federally funded loan is $11,226. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at The Beauty Institute, freshmen included, 76% use federal student loans to help pay for their education, with a mean of $11,226 annually.
Carrying that yearly figure forward comes to roughly $22,452 after two years and $44,904 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 76% |
| Average federal loan per year | $11,226 |
| Undergraduates with a federal loan | 155 |
| Total federal loans (one year) | $1,740,000 |
The middle borrower at The Beauty Institute owes $7,968 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,968 |
| Students who completed (graduates) | $10,763 |
| Students who withdrew | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for The Beauty Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $6,469 |
| 75th percentile | $12,992 |
| 90th percentile (highest-debt students) | $13,583 |
How wide this percentile range is tells you how much borrowing varies across students at The Beauty Institute.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at The Beauty Institute.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 23 | $4,346 |
The indicators below describe what the typical debt costs to pay back at The Beauty Institute.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for The Beauty Institute appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.2% |
| Borrowers in the cohort | 89 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,776 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,538 |
| Independent students | $9,500 |
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
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.