by our College Data Analytics TeamThis page focuses on the debt students take on to attend Universidad Central de Bayamon: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Bayamon Central University, 1% of incoming undergraduates borrow in year one, for an average of $2,228 per borrower, covering both private and federal loans.
The average federally funded loan is $2,228, which is 40.5% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at Bayamon Central University, 16% use federal student loans to help pay for their education, averaging $5,402 in federal loans per year. This is 142.5% greater than the $2,228 typical freshmen borrow.
At a steady annual pace, that totals around $10,804 in two years and roughly $21,608 across a four-year program. 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 | $5,402 |
| Undergraduates with a federal loan | 95 |
| Total federal loans (one year) | $513,201 |
The middle borrower at Bayamon Central University owes $7,250 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,250 |
| Students who completed (graduates) | $9,393 |
| Students who withdrew | $4,875 |
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 Bayamon Central University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,340 |
| 75th percentile | $12,875 |
| 90th percentile (highest-debt students) | $18,695 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Bayamon Central University.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Bayamon Central University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 19 | $4,000 |
The indicators below describe what the typical debt costs to pay back at Bayamon Central University.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Bayamon Central University is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.9% |
| Borrowers in the cohort | 273 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,250 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,300 |
| Continuing-generation students | $6,750 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,788 |
| Independent students | $10,250 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Bayamon Central University.
Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Important to Remember
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.