by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Tricoci University of Beauty Culture-Chicago NW, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For incoming students at Tricoci CNW, 93% of first-year students take on loan debt, borrowing on average $9,740 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $9,740. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Tricoci CNW, freshmen included, 66% finance part of their studies with federal loans, borrowing on average $7,506 each per year. That amounts to 22.9% lower than the freshman federal average of $9,740.
Repeating that yearly amount projects to about $15,012 over two years and about $30,024 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 66% |
| Average federal loan per year | $7,506 |
| Undergraduates with a federal loan | 232 |
| Total federal loans (one year) | $1,741,282 |
The median student at Tricoci CNW borrows $7,307 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,307 |
| Students who completed (graduates) | $7,307 |
| Students who withdrew | $3,701 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Tricoci CNW.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,615 |
| 75th percentile | $12,566 |
| 90th percentile (highest-debt students) | $14,790 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Tricoci CNW.
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 Tricoci CNW.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 71 | $8,521 |
The indicators below describe what the typical debt costs to pay back at Tricoci CNW.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Tricoci CNW follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.0% |
| Borrowers in the cohort | 158 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $7,307 |
| Middle income | $7,307 |
| High income | $7,307 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,307 |
| Continuing-generation students | $7,307 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,207 |
| Independent students | $7,307 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Tricoci CNW.
Subsidized vs. 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
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.