by our College Data Analytics TeamThis page focuses on the debt students take on to attend UCAS University of Cosmetology Arts & Sciences— 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.
At UCAS University of Cosmetology Arts & Sciences, 0% of incoming undergraduates borrow in year one.
Counting every undergraduate at UCAS University of Cosmetology Arts & Sciences, 39% use federal student loans to help pay for their education, averaging $6,427 each per year.
Carrying that yearly figure forward comes to roughly $12,854 in two years and roughly $25,708 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 39% |
| Average federal loan per year | $6,427 |
| Undergraduates with a federal loan | 18 |
| Total federal loans (one year) | $115,681 |
The median student at UCAS University of Cosmetology Arts & Sciences borrows $4,384 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,384 |
| Students who completed (graduates) | $5,417 |
| Students who withdrew | $3,011 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 UCAS University of Cosmetology Arts & Sciences.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $1,855 |
| 75th percentile | $6,273 |
Repayment burden translates the debt figures into what a borrower actually pays each month. UCAS University of Cosmetology Arts & Sciences.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for UCAS University of Cosmetology Arts & Sciences appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.8% |
| Borrowers in the cohort | 54 |
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 | $4,460 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,666 |
| Independent students | $4,750 |
Subsidized and 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.