by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Z Hair Academy, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at Z Hair Academy, 73% of freshmen borrow to help pay for their first year, borrowing on average $6,528 apiece. This figure includes both private and federally funded student loans.
The average federally funded loan is $6,528. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at Z Hair Academy, 63% rely on federal student loans toward their education, for a typical $7,725 each per year. It comes to 18.3% above the first-year federal average of $6,528.
Borrowing the same amount each year would add up to roughly $15,450 across two years and $30,900 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 63% |
| Average federal loan per year | $7,725 |
| Undergraduates with a federal loan | 208 |
| Total federal loans (one year) | $1,606,826 |
Graduating and withdrawing students at Z Hair Academy carry a median federal debt of $9,833 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,833 |
| Students who completed (graduates) | $9,833 |
| Students who withdrew | $4,750 |
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 Z Hair Academy.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $7,875 |
| 75th percentile | $16,203 |
| 90th percentile (highest-debt students) | $16,500 |
How wide this percentile range is tells you how much borrowing varies across students at Z Hair Academy.
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 Z Hair Academy.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 36 | $8,320 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Z Hair Academy.
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 Z Hair Academy appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.7% |
| Borrowers in the cohort | 27 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $9,833 |
| Middle income | $9,833 |
| High income | $9,833 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,833 |
| Continuing-generation students | $9,833 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,833 |
| Independent students | $16,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Z Hair Academy.
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.
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.