by our College Data Analytics TeamThis page focuses on the debt students take on to attend The Chrysm Insitute of Esthetics: 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 Chrysm Institute specifically, 60% of freshmen borrow to help pay for their first year, averaging $5,297 each, across private and federal loan sources.
The average federal loan is $5,297, representing 96.3% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at The Chrysm Institute, 52% use federal student loans to help pay for their education, averaging $4,713 per year. This is 11.0% smaller than the $5,297 borrowed by freshmen.
Repeating that yearly amount projects to about $9,426 in two years and roughly $18,852 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 52% |
| Average federal loan per year | $4,713 |
| Undergraduates with a federal loan | 221 |
| Total federal loans (one year) | $1,041,487 |
The middle borrower at The Chrysm Institute owes $6,333 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,333 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at The Chrysm Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,333 |
| 25th percentile | $3,667 |
| 75th percentile | $6,333 |
| 90th percentile (highest-debt students) | $12,513 |
How wide this percentile range is tells you how much borrowing varies across students at The Chrysm Institute.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for The Chrysm Institute.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 23 | $12,294 |
Repayment burden translates the debt figures into what a borrower actually pays each month. The Chrysm Institute.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,333 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,667 |
| Independent students | $6,333 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at The Chrysm Institute.
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.
Important to Remember
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.