by our College Data Analytics TeamHere you will find what students actually borrow to attend Caribbean University-Vega Baja: 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.
For incoming students at Caribbean University - Vega Baja, 9% of first-year students take on loan debt, with a typical loan of $2,969 each, across private and federal loan sources.
The typical federal loan comes to $2,969, equal to roughly 54.0% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Caribbean University - Vega Baja, 24% borrow through federal student loan programs, averaging $6,053 per year. This works out to 103.9% greater than the first-year federal average of $2,969.
Repeating that yearly amount projects to about $12,106 across two years and $24,212 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 24% |
| Average federal loan per year | $6,053 |
| Undergraduates with a federal loan | 42 |
| Total federal loans (one year) | $254,207 |
The middle borrower at Caribbean University - Vega Baja owes $7,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,000 |
| Students who completed (graduates) | $10,500 |
| Students who withdrew | $5,500 |
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 Caribbean University - Vega Baja.
| 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 spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Caribbean University - Vega Baja.
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 Caribbean University - Vega Baja.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 36 | $4,000 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Caribbean University - Vega Baja.
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 - Vega Baja.
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 Caribbean University - Vega Baja appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 21.2% |
| Borrowers in the cohort | 862 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,063 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,750 |
| Continuing-generation students | $8,217 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,650 |
Federal data publishes the following gap measures for Caribbean University - Vega Baja.
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.
Did You Know?
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.