by our College Data Analytics TeamThis page focuses on the debt students take on to attend EDP University of Puerto Rico Inc-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.
Looking at the entering class at EDP - San Juan, 37% of incoming students take out a loan to help cover first-year costs, with a typical loan of $7,778 each, across private and federal loan sources.
On the federal side, the average loan is $7,778. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at EDP - San Juan, 50% rely on federal student loans toward their education, with a mean of $9,012 each per year. That is 15.9% greater than the $7,778 borrowed by freshmen.
Borrowing at that rate every year works out to about $18,024 by year two and around $36,048 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 50% |
| Average federal loan per year | $9,012 |
| Undergraduates with a federal loan | 629 |
| Total federal loans (one year) | $5,668,437 |
The median student at EDP - San Juan borrows $10,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,500 |
| Students who completed (graduates) | $14,000 |
| Students who withdrew | $5,900 |
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 EDP - San Juan.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,200 |
| 25th percentile | $3,700 |
| 75th percentile | $16,500 |
| 90th percentile (highest-debt students) | $20,600 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at EDP - San Juan.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at EDP - San Juan.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 47 | $4,443 |
| Completed (graduates) | 27 | $4,310 |
| Did not complete | 20 | $4,471 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $51.25/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at EDP - San Juan.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 35 | — |
| No Stafford loan this year | 12 | — |
The indicators below describe what the typical debt costs to pay back at EDP - San Juan.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for EDP - San Juan follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.2% |
| Borrowers in the cohort | 190 |
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 | $10,500 |
| Middle income | $10,500 |
| High income | $10,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,500 |
| Continuing-generation students | $10,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $12,635 |
Federal data publishes the following gap measures for EDP - San Juan.
Subsidized vs. 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.