by our College Data Analytics TeamHere you will find what students actually borrow to attend Caribbean University-Bayamon, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Caribbean University - Bayamon, 15% of incoming undergraduates borrow in year one, with a typical loan of $4,964 each — a figure that counts both private and federal student loans.
The average federally funded loan is $4,964, amounting to 90.3% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. 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 Caribbean University - Bayamon, 28% finance part of their studies with federal loans, borrowing on average $5,319 annually. That is 7.2% larger than the $4,964 freshmen take on.
Repeating that yearly amount projects to about $10,638 after two years and $21,276 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 28% |
| Average federal loan per year | $5,319 |
| Undergraduates with a federal loan | 172 |
| Total federal loans (one year) | $914,881 |
The middle borrower at Caribbean University - Bayamon owes $7,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,000 |
| Students who completed (graduates) | $10,500 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Caribbean University - Bayamon.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,850 |
| 25th percentile | $3,500 |
| 75th percentile | $13,600 |
| 90th percentile (highest-debt students) | $22,250 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Caribbean University - Bayamon.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Caribbean University - Bayamon.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 36 | $4,000 |
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 Caribbean University - Bayamon.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 23 | — |
| No Stafford loan this year | 13 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Caribbean University - Bayamon.
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 Caribbean University - Bayamon is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 21.2% |
| Borrowers in the cohort | 862 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,063 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,750 |
| Continuing-generation students | $8,217 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,650 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Caribbean University - Bayamon.
The Difference Between Subsidized and 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
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.