by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Tricoci University of Beauty Culture-Rockford— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Among first-year students at Tricoci RFD, 79% of incoming undergraduates borrow in year one, averaging $7,694 per student, private and federal loans combined.
The average federal loan is $7,694. This reaches or tops the $5,500 first-year federal borrowing cap 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.
Across the full undergraduate body at Tricoci RFD (freshmen included), 67% borrow through federal student loan programs, with a mean of $7,131 in federal loans per year. This works out to 7.3% smaller than the $7,694 borrowed by freshmen.
At a steady annual pace, that totals around $14,262 across two years and $28,524 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 | 67% |
| Average federal loan per year | $7,131 |
| Undergraduates with a federal loan | 197 |
| Total federal loans (one year) | $1,404,819 |
The middle borrower at Tricoci RFD owes $7,307 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,307 |
| Students who completed (graduates) | $7,307 |
| Students who withdrew | $3,653 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Tricoci RFD.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,653 |
| 25th percentile | $4,230 |
| 75th percentile | $9,000 |
| 90th percentile (highest-debt students) | $11,954 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Tricoci RFD.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Tricoci RFD.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 35 | $7,198 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Tricoci RFD.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Tricoci RFD follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.0% |
| Borrowers in the cohort | 97 |
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 | $7,307 |
| Middle income | $7,307 |
| High income | $4,230 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,307 |
| Continuing-generation students | $7,056 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,416 |
| Independent students | $7,307 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Tricoci RFD.
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.
Did You Know?
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.