by our College Data Analytics TeamHere you will find what students actually borrow to attend Automeca Technical College - Bayamon: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Automeca Technical College - Bayamon, 11% of incoming undergraduates borrow in year one, averaging $4,238 each — a figure that counts both private and federal student loans.
The average federal loan is $4,238, or about 77.1% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Automeca Technical College - Bayamon, 11% use federal student loans to help pay for their education, averaging $3,089 per year. This works out to 27.1% lower than the $4,238 freshmen take on.
Borrowing at that rate every year works out to about $6,178 by year two and around $12,356 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 11% |
| Average federal loan per year | $3,089 |
| Undergraduates with a federal loan | 51 |
| Total federal loans (one year) | $157,524 |
The middle borrower at Automeca Technical College - Bayamon owes $3,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,000 |
| Students who completed (graduates) | $3,030 |
| Students who withdrew | $2,050 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Automeca Technical College - Bayamon.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,473 |
| 25th percentile | $1,750 |
| 75th percentile | $3,500 |
| 90th percentile (highest-debt students) | $5,000 |
How wide this percentile range is tells you how much borrowing varies across students at Automeca Technical College - Bayamon.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Automeca Technical College - Bayamon.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 64 | $5,000 |
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Automeca Technical College - Bayamon.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 13 | — |
| No Stafford loan | 51 | — |
The indicators below describe what the typical debt costs to pay back at Automeca Technical College - Bayamon.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Automeca Technical College - Bayamon is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.9% |
| Borrowers in the cohort | 312 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $2,600 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $2,817 |
| Continuing-generation students | $3,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $2,600 |
| Independent students | $3,150 |
Federal data publishes the following gap measures for Automeca Technical College - Bayamon.
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
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.