by our College Data Analytics TeamBelow is federal data on the loans students use to pay for VICI Beauty School— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At VICI Beauty School specifically, 74% of incoming undergraduates borrow in year one, with a typical loan of $8,166 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $7,192. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Across the full undergraduate body at VICI Beauty School (freshmen included), 74% borrow through federal student loan programs, for a typical $7,207 in federal loans per year. That is 0.2% greater than the $7,192 typical freshmen borrow.
Borrowing at that rate every year works out to about $14,414 over two years and about $28,828 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 74% |
| Average federal loan per year | $7,207 |
| Undergraduates with a federal loan | 136 |
| Total federal loans (one year) | $980,151 |
The middle borrower at VICI Beauty School owes $6,333 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at VICI Beauty School.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,596 |
| 25th percentile | $4,750 |
| 75th percentile | $11,634 |
| 90th percentile (highest-debt students) | $15,238 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at VICI Beauty School.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for VICI Beauty School.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 29 | $8,870 |
These figures turn the debt totals into a monthly repayment picture for VICI Beauty School.
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 VICI Beauty School appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.7% |
| Borrowers in the cohort | 232 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,333 |
| Middle income | $6,333 |
| High income | $9,234 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,272 |
| Continuing-generation students | $6,333 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,333 |
Federal data publishes the following gap measures for VICI Beauty School.
The Difference Between Subsidized and 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.
Did You Know?
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.