by our College Data Analytics TeamHere you will find what students actually borrow to attend Albizu University-Miami, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Carlos Albizu University - Miami, 67% of first-year students take on loan debt, at roughly $9,030 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $9,030. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at Carlos Albizu University - Miami, 72% finance part of their studies with federal loans, at an average of $8,952 a year. It comes to 0.9% less than the $9,030 typical freshmen borrow.
Repeating that yearly amount projects to about $17,904 across two years and $35,808 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 72% |
| Average federal loan per year | $8,952 |
| Undergraduates with a federal loan | 155 |
| Total federal loans (one year) | $1,387,601 |
The median student at Carlos Albizu University - Miami borrows $5,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,000 |
| Students who completed (graduates) | $5,500 |
| Students who withdrew | $4,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Carlos Albizu University - Miami.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,333 |
| 25th percentile | $3,500 |
| 75th percentile | $16,100 |
| 90th percentile (highest-debt students) | $28,625 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Carlos Albizu University - Miami.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Carlos Albizu University - Miami.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 80 | $9,073 |
| Completed (graduates) | 45 | $10,000 |
| Did not complete | 35 | $7,078 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $118.91/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Carlos Albizu University - Miami.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 64 | — |
| No Stafford loan this year | 16 | — |
The indicators below describe what the typical debt costs to pay back at Carlos Albizu University - Miami.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Carlos Albizu University - Miami appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.4% |
| Borrowers in the cohort | 590 |
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 | $5,000 |
| Middle income | $6,332 |
| High income | $4,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,250 |
| Continuing-generation students | $5,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $5,000 |
Federal data publishes the following gap measures for Carlos Albizu University - Miami.
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.
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.