by our College Data Analytics TeamThis page focuses on the debt students take on to attend EDP University of Puerto Rico Inc-San Sebastian— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
At EDP - San Sebastian specifically, 28% of incoming students take out a loan to help cover first-year costs, at roughly $6,286 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $6,286. That is at or past the $5,500 federal first-year limit for 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.
Among all degree-seeking undergrads at EDP - San Sebastian, 48% finance part of their studies with federal loans, for a typical $8,037 annually. This is 27.9% above the $6,286 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $16,074 across two years and $32,148 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 48% |
| Average federal loan per year | $8,037 |
| Undergraduates with a federal loan | 464 |
| Total federal loans (one year) | $3,729,018 |
The median student at EDP - San Sebastian borrows $10,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,500 |
| Students who completed (graduates) | $14,000 |
| Students who withdrew | $5,900 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for EDP - San Sebastian.
| 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 Sebastian.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at EDP - San Sebastian.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 47 | $4,443 |
| Completed (graduates) | 27 | $4,310 |
| Did not complete | 20 | $4,471 |
On a standard 10-year plan, the median completing borrower would pay about $51.25/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at EDP - San Sebastian.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 35 | — |
| No Stafford loan this year | 12 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. EDP - San Sebastian.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for EDP - San Sebastian appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.2% |
| Borrowers in the cohort | 190 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $10,500 |
| Middle income | $10,500 |
| High income | $10,500 |
First-Gen vs Continuing-Gen Borrowing
| 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 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at EDP - San Sebastian.
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.
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.