by our College Data Analytics TeamHere you will find what students actually borrow to attend Boricua College: 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.
At Boricua College specifically, 8% of first-year students take on loan debt, for an average of $6,796 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $6,796. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Boricua College, 14% use federal student loans to help pay for their education, borrowing on average $5,984 per year. It comes to 11.9% below the freshman federal average of $6,796.
Repeating that yearly amount projects to about $11,968 in two years and roughly $23,936 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 14% |
| Average federal loan per year | $5,984 |
| Undergraduates with a federal loan | 55 |
| Total federal loans (one year) | $329,124 |
Graduating and withdrawing students at Boricua College carry a median federal debt of $6,347 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,347 |
| Students who completed (graduates) | $6,733 |
| Students who withdrew | $6,000 |
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 Boricua College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,900 |
| 25th percentile | $3,000 |
| 75th percentile | $9,000 |
| 90th percentile (highest-debt students) | $15,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Boricua College.
These figures turn the debt totals into a monthly repayment picture for Boricua College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Boricua College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.1% |
| Borrowers in the cohort | 122 |
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 | $6,090 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,296 |
| Independent students | $7,100 |
Federal data publishes the following gap measures for Boricua College.
The Difference Between 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.
Important to Remember
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.