-24%
First-year retention
First-year retention at PJ's College of Cosmetology-Richmond fell 24% between 2021 and 2024 (83.3% → 63.6%).
Indiana · Private for-profit · Predominantly certificates
PJ's College of Cosmetology-Richmond
Richmond, Indiana. 71 undergraduate students. 1 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at PJ's College of Cosmetology-Richmond
Short-arc shifts (recent 3-year window), peer outliers, earnings trend breaks, completion drops, enrollment cliffs, and debt-to-earnings warnings — surfaced deterministically from the federal record. Multi-decade shifts are reported separately in the Long Arc section, since 25-year tuition drift isn't really an anomaly.
-100%
3-year cohort default rate
3-year cohort default rate at PJ's College of Cosmetology-Richmond fell 100% between 2021 and 2024 (2.5% → 0.0%).
+44%
Earnings trend · post-entry horizons
Earnings 10 years post-entry at PJ's College of Cosmetology-Richmond are 44% above 6-year earnings ($16.7k → $24.0k).
+29%
150%-time completion
150%-time completion at PJ's College of Cosmetology-Richmond rose 29% between 2006 and 2009 (46.7% → 60.0%).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. Indiana
Each tile compares this institution to the Indiana median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$24,039+44% · 6→10y
Indiana median $46,945$16,731
Treasury earnings · 6y post-entry66.7%-16% · '97→'09
Indiana median 60.7%$6,333+275% · '97→'20
At program completion71+206% · '96→'24
latest IPEDS44.4%-9% · '04→'24
first-time, full-time—
latest cohort—
annualSECTION 02 · EARNINGS HORIZONS
How earnings spread, 4 to 10 years after entry
Treasury tax-record earnings for federally aided students who first enrolled at this institution. Each point is a horizon from the most-recent vintage. Single median per horizon (no p25/p75 publishing).
Earnings widen with time post-entry. Selection: federal-aid recipients only — not all graduates.Methodology →
SECTION 03 · DEBT-TO-EARNINGS
What loans cost relative to earnings
Annual debt service as a share of median earnings 10 years after entry, computed under federal Direct loan terms (10-year fixed at 6%). The 8% line is the gainful-employment threshold from federal regulation; above 12% has historically been considered “failing” under prior rule cycles.
Institution-wide
3.5%Median federal debt $6,333 amortized over 10 years vs. median earnings $24,039 (10y after entry).
SECTION 04 · LONG ARC
Ten-plus year arc
Federally available history. Coverage varies by metric — IPEDS publishes some series only after 2009 and others only before.
Undergraduate enrollment.
150%-time completion rate.
Median federal student debt at exit.
+275%
PJ's College of Cosmetology-Richmond · median debt rose
$2,625 → $9,833
-100%
PJ's College of Cosmetology-Richmond · cohort default rate fell
5.8% → 0.0%
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at PJ's College of Cosmetology-Richmond
Pick a program. Cost from Scorecard net price by family income; earnings from Treasury 5-year-post-completion median, projected forward with a Mincer age-earnings curve. The selection-bias toggle applies the Dale-Krueger shrinkage. Outcomes illustration, not a forecast — see methodology.
Shrinks the earnings premium toward the matched-applicant mean. STEM <15%, business ~40%, arts & education ~60%.
EARNINGS SUPPRESSED
Federal privacy rules suppressed earnings for Cosmetology and Related Personal Grooming Services · Undergraduate Certificate or Diploma at PJ's College of Cosmetology-Richmond(cohort below 30 students). The calculator can’t produce a number we’d stand behind, so we don’t.
Outcomes illustration · not a forecast. Projects observed Scorecard earnings forward with a Mincer age-earnings curve under your assumptions. See methodology for the math.
SECTION 07 · SIMILAR INSTITUTIONS
Same sector and degree mix in Indiana
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“PJ's College of Cosmetology-Richmond graduates earn $X” — not “PJ's College of Cosmetology-Richmond makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending PJ's College of Cosmetology-Richmond caused. Selection effects (who admits, who enrolls, who completes) are real. We publish federal data with strict descriptive phrasing — and link the methodology where you can read about the limitations directly.