by our College Data Analytics TeamThis page focuses on the debt students take on to attend Winonah’s International School of Cosmetology: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Winonah’s International School of Cosmetology, 45% of first-year students take on loan debt, for an average of $4,497 per borrower, covering both private and federal loans.
The average federal loan is $4,497, amounting to 81.8% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Winonah’s International School of Cosmetology, freshmen included, 73% rely on federal student loans toward their education, for a typical $3,518 in federal loans per year. This works out to 21.8% under the freshman federal average of $4,497.
Repeating that yearly amount projects to about $7,036 across two years and $14,072 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 | 73% |
| Average federal loan per year | $3,518 |
| Undergraduates with a federal loan | 131 |
| Total federal loans (one year) | $460,859 |
The middle borrower at Winonah’s International School of Cosmetology owes $6,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
These figures turn the debt totals into a monthly repayment picture for Winonah’s International School of Cosmetology.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $5,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,860 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Winonah’s International School of Cosmetology.
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.
Important to Remember
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.