by our College Data Analytics TeamHere you will find what students actually borrow to attend CEM College-San Juan— 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.
Among first-year students at CEM College - San Juan, 11% of incoming students take out a loan to help cover first-year costs, borrowing on average $541 each — a figure that counts both private and federal student loans.
Federal loans alone average $541, representing 9.8% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at CEM College - San Juan, 12% rely on federal student loans toward their education, for a typical $621 annually. That amounts to 14.8% higher than the $541 freshmen take on.
At a steady annual pace, that totals around $1,242 in two years and roughly $2,484 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 12% |
| Average federal loan per year | $621 |
| Undergraduates with a federal loan | 22 |
| Total federal loans (one year) | $13,651 |
The middle borrower at CEM College - San Juan owes $3,700 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,700 |
| Students who completed (graduates) | $5,000 |
| Students who withdrew | $2,334 |
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 CEM College - San Juan.
| 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 - San Juan.
These figures turn the debt totals into a monthly repayment picture for CEM College - San Juan.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for CEM College - San Juan follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.0% |
| Borrowers in the cohort | 286 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $3,668 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $3,500 |
| Continuing-generation students | $5,150 |
Dependency-Status Comparison
| 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 - San Juan.
Subsidized vs. 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
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.