by our College Data Analytics TeamThis page focuses on the debt students take on to attend UCAS Univeristy of Cosmetology Arts & Sciences-La Joya, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At UCAS Univeristy of Cosmetology Arts & Sciences-La Joya, 100% of incoming students take out a loan to help cover first-year costs, at roughly $1,934 per student, private and federal loans combined.
On the federal side, the average loan is $1,934, representing 35.2% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at UCAS Univeristy of Cosmetology Arts & Sciences-La Joya (freshmen included), 77% borrow through federal student loan programs, averaging $6,926 a year. This is 258.1% larger than the $1,934 borrowed by freshmen.
Repeating that yearly amount projects to about $13,852 by year two and around $27,704 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 | 77% |
| Average federal loan per year | $6,926 |
| Undergraduates with a federal loan | 64 |
| Total federal loans (one year) | $443,274 |
Graduating and withdrawing students at UCAS Univeristy of Cosmetology Arts & Sciences-La Joya carry a median federal debt of $6,083 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,083 |
| Students who completed (graduates) | $6,447 |
| Students who withdrew | $3,959 |
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 UCAS Univeristy of Cosmetology Arts & Sciences-La Joya.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,750 |
| 75th percentile | $6,833 |
| 90th percentile (highest-debt students) | $9,672 |
How wide this percentile range is tells you how much borrowing varies across students at UCAS Univeristy of Cosmetology Arts & Sciences-La Joya.
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 UCAS Univeristy of Cosmetology Arts & Sciences-La Joya.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 88 | $2,880 |
| Completed (graduates) | 67 | $3,000 |
| Did not complete | 21 | $2,184 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $35.67/mo.
These figures turn the debt totals into a monthly repayment picture for UCAS Univeristy of Cosmetology Arts & Sciences-La Joya.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for UCAS Univeristy of Cosmetology Arts & Sciences-La Joya appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.6% |
| Borrowers in the cohort | 490 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,163 |
| Middle income | $5,533 |
| High income | $4,865 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,122 |
| Continuing-generation students | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,333 |
Federal data publishes the following gap measures for UCAS Univeristy of Cosmetology Arts & Sciences-La Joya.
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.
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.