by our College Data Analytics TeamThis page focuses on the debt students take on to attend Columbia Central University-Caguas: 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.
Among first-year students at Columbia Central University - Caguas, 6% of new students use loans toward freshman-year expenses, with a typical loan of $4,932 each — a figure that counts both private and federal student loans.
The average federal loan is $4,932, amounting to 89.7% 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.
Across the full undergraduate body at Columbia Central University - Caguas (freshmen included), 19% borrow through federal student loan programs, averaging $5,552 each per year. This is 12.6% higher than the first-year federal average of $4,932.
Repeating that yearly amount projects to about $11,104 after two years and $22,208 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 19% |
| Average federal loan per year | $5,552 |
| Undergraduates with a federal loan | 462 |
| Total federal loans (one year) | $2,565,036 |
The middle borrower at Columbia Central University - Caguas owes $5,001 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,001 |
| Students who completed (graduates) | $6,148 |
| Students who withdrew | $3,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Repayment burden translates the debt figures into what a borrower actually pays each month. Columbia Central University - Caguas.
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 Columbia Central University - Caguas follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 0 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $4,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,000 |
| Continuing-generation students | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,500 |
| Independent students | $6,000 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Columbia Central University - Caguas.
Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Important to Remember
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.