by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Automeca Technical College - Caguas— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At Automeca Technical College - Caguas specifically, 12% of first-year students take on loan debt, with a typical loan of $3,768 each — a figure that counts both private and federal student loans.
The average federally funded loan is $3,768, or about 68.5% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Automeca Technical College - Caguas, 16% borrow through federal student loan programs, with a mean of $2,793 annually. That amounts to 25.9% under the freshman federal average of $3,768.
Borrowing at that rate every year works out to about $5,586 after two years and $11,172 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 16% |
| Average federal loan per year | $2,793 |
| Undergraduates with a federal loan | 32 |
| Total federal loans (one year) | $89,380 |
The middle borrower at Automeca Technical College - Caguas owes $3,000 in federal student loans.
| 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.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Automeca Technical College - Caguas.
| 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 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Automeca Technical College - Caguas.
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 - Caguas.
| 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 - Caguas.
Any-Stafford Borrowers
| 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 - Caguas.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Automeca Technical College - Caguas is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.9% |
| Borrowers in the cohort | 312 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| 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 |
Federal data publishes the following gap measures for Automeca Technical College - Caguas.
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.
Did You Know?
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.