by our College Data Analytics TeamBelow is federal data on the loans students use to pay for The Beauty Institute-Ambler: 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 The Beauty Institute specifically, 97% of incoming undergraduates borrow in year one, at roughly $10,000 each — a figure that counts both private and federal student loans.
The average federally funded loan is $10,000. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at The Beauty Institute, freshmen included, 95% take out federal student loans, for a typical $10,833 annually. This is 8.3% larger than the freshman federal average of $10,000.
Repeating that yearly amount projects to about $21,666 in two years and roughly $43,332 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 95% |
| Average federal loan per year | $10,833 |
| Undergraduates with a federal loan | 360 |
| Total federal loans (one year) | $3,900,000 |
Graduating and withdrawing students at The Beauty Institute carry a median federal debt of $8,028 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,028 |
| Students who completed (graduates) | $9,583 |
| 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) | $4,750 |
| 25th percentile | $5,870 |
| 75th percentile | $12,028 |
| 90th percentile (highest-debt students) | $13,583 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at The Beauty Institute.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at The Beauty Institute.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 73 | $7,953 |
These figures turn the debt totals into a monthly repayment picture for 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. Two-year cohort default-rate data for The Beauty Institute is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.6% |
| Borrowers in the cohort | 138 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $8,028 |
| Middle income | $8,028 |
| High income | $8,028 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,028 |
| Continuing-generation students | $8,028 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,028 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for The Beauty Institute.
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.
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.