by our College Data Analytics TeamHere you will find what students actually borrow to attend Automeca Technical College - Aguadilla, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For incoming students at Automeca Technical College - Aguadilla, 4% of first-year students take on loan debt, averaging $3,365 each, across private and federal loan sources.
The average federally funded loan is $3,365, which is 61.2% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Automeca Technical College - Aguadilla, 4% finance part of their studies with federal loans, for a typical $2,404 in federal loans per year. This is 28.6% less than the freshman federal average of $3,365.
Carrying that yearly figure forward comes to roughly $4,808 after two years and $9,616 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 4% |
| Average federal loan per year | $2,404 |
| Undergraduates with a federal loan | 9 |
| Total federal loans (one year) | $21,640 |
Graduating and withdrawing students at Automeca Technical College - Aguadilla carry a median federal debt of $3,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,000 |
| Students who completed (graduates) | $3,030 |
| Students who withdrew | $2,050 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Automeca Technical College - Aguadilla.
| 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 - Aguadilla.
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 Automeca Technical College - Aguadilla.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 64 | $5,000 |
Federal data lets us separate Stafford borrowers from the rest at Automeca Technical College - Aguadilla.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 13 | — |
| No Stafford loan | 51 | — |
These figures turn the debt totals into a monthly repayment picture for Automeca Technical College - Aguadilla.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Automeca Technical College - Aguadilla is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.9% |
| Borrowers in the cohort | 312 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $2,600 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $2,817 |
| Continuing-generation students | $3,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $2,600 |
| Independent students | $3,150 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Automeca Technical College - Aguadilla.
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.
Important to Remember
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.