by our College Data Analytics TeamHere you will find what students actually borrow to attend CEM College-Humacao— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
For incoming students at CEM College - Humacao, 6% of first-year students take on loan debt, for an average of $1,980 per student, private and federal loans combined.
The average federal loan is $1,980, or about 36.0% of the typical first-year dependent student borrowing cap of $5,500. 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 CEM College - Humacao, 8% take out federal student loans, averaging $3,441 per year. That amounts to 73.8% more than the $1,980 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $6,882 after two years and $13,764 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 8% |
| Average federal loan per year | $3,441 |
| Undergraduates with a federal loan | 14 |
| Total federal loans (one year) | $48,176 |
The middle borrower at CEM College - Humacao owes $3,700 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,700 |
| Students who completed (graduates) | $5,000 |
| Students who withdrew | $2,334 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for CEM College - Humacao.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,167 |
| 25th percentile | $1,867 |
| 75th percentile | $4,700 |
| 90th percentile (highest-debt students) | $7,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at CEM College - Humacao.
The indicators below describe what the typical debt costs to pay back at CEM College - Humacao.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for CEM College - Humacao appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.0% |
| Borrowers in the cohort | 286 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $3,668 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $3,500 |
| Continuing-generation students | $5,150 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,500 |
| Independent students | $4,900 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at CEM College - Humacao.
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.
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.