by our College Data Analytics TeamThis page focuses on the debt students take on to attend Tricoci University of Beauty Culture-Libertyville: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Among first-year students at Tricoci LBV, 77% of freshmen borrow to help pay for their first year, at roughly $8,574 each, across private and federal loan sources.
Federal loans alone average $7,884. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at Tricoci LBV (freshmen included), 64% borrow through federal student loan programs, at an average of $7,085 per year. This is 10.1% under the freshman federal average of $7,884.
Borrowing at that rate every year works out to about $14,170 after two years and $28,340 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 64% |
| Average federal loan per year | $7,085 |
| Undergraduates with a federal loan | 199 |
| Total federal loans (one year) | $1,409,928 |
The median student at Tricoci LBV 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 | $3,653 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Tricoci LBV.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $11,357 |
| 90th percentile (highest-debt students) | $14,926 |
How wide this percentile range is tells you how much borrowing varies across students at Tricoci LBV.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Tricoci LBV.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 93 | $8,825 |
These figures turn the debt totals into a monthly repayment picture for Tricoci LBV.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Tricoci LBV appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.2% |
| Borrowers in the cohort | 80 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,307 |
| Middle income | $7,307 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,307 |
| Continuing-generation students | $7,307 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,304 |
| Independent students | $7,307 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Tricoci LBV.
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
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.