by our College Data Analytics TeamHere you will find what students actually borrow to attend The University of Aesthetics & Cosmetology: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
For incoming students at The University of Aesthetics & Cosmetology, 41% of new students use loans toward freshman-year expenses, for an average of $5,566 per student, private and federal loans combined.
Federal loans alone average $5,566. This reaches or tops the $5,500 first-year federal borrowing cap 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 University of Aesthetics & Cosmetology, freshmen included, 51% finance part of their studies with federal loans, borrowing on average $5,081 per year. That is 8.7% below the $5,566 typical freshmen borrow.
At a steady annual pace, that totals around $10,162 across two years and $20,324 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 51% |
| Average federal loan per year | $5,081 |
| Undergraduates with a federal loan | 33 |
| Total federal loans (one year) | $167,687 |
The middle borrower at The University of Aesthetics & Cosmetology owes $6,392 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,392 |
| Students who completed (graduates) | $7,917 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at The University of Aesthetics & Cosmetology.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $4,583 |
| 75th percentile | $7,917 |
These figures turn the debt totals into a monthly repayment picture for The University of Aesthetics & Cosmetology.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for The University of Aesthetics & Cosmetology appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 13 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $7,917 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,583 |
| Independent students | $7,917 |
Subsidized vs. Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.