by our College Data Analytics TeamThis page focuses on the debt students take on to attend Albizu University-San Juan— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Carlos Albizu University - San Juan, 11% of first-year students take on loan debt, with a typical loan of $4,845 per student, private and federal loans combined.
Federal loans alone average $4,845, representing 88.1% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at Carlos Albizu University - San Juan, 25% rely on federal student loans toward their education, at an average of $7,123 annually. This is 47.0% more than the $4,845 borrowed by freshmen.
Borrowing at that rate every year works out to about $14,246 across two years and $28,492 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 | 25% |
| Average federal loan per year | $7,123 |
| Undergraduates with a federal loan | 190 |
| Total federal loans (one year) | $1,353,285 |
The median student at Carlos Albizu University - San Juan borrows $5,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,000 |
| Students who completed (graduates) | $5,500 |
| Students who withdrew | $4,500 |
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 Carlos Albizu University - San Juan.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at Carlos Albizu University - San Juan.
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 Carlos Albizu University - San Juan.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 80 | $9,073 |
| Completed (graduates) | 45 | $10,000 |
| Did not complete | 35 | $7,078 |
On a standard 10-year plan, the median completing borrower would pay about $118.91/mo.
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 Carlos Albizu University - San Juan.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 64 | — |
| No Stafford loan this year | 16 | — |
These figures turn the debt totals into a monthly repayment picture for Carlos Albizu University - San Juan.
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 Carlos Albizu University - San Juan follows.
| 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.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $5,000 |
| Middle income | $6,332 |
| High income | $4,500 |
By First-Generation Status
| 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 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Carlos Albizu University - San Juan.
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.
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.