by our College Data Analytics TeamThis page focuses on the debt students take on to attend EDP University of Puerto Rico-Caguas: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
The median student at EDP University of Puerto Rico-Caguas 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 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at EDP University of Puerto Rico-Caguas.
| 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 spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at EDP University of Puerto Rico-Caguas.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for EDP University of Puerto Rico-Caguas.
| 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.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at EDP University of Puerto Rico-Caguas.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 35 | — |
| No Stafford loan this year | 12 | — |
These figures turn the debt totals into a monthly repayment picture for EDP University of Puerto Rico-Caguas.
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 University of Puerto Rico-Caguas 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.
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-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,500 |
| Continuing-generation students | $10,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $12,635 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at EDP University of Puerto Rico-Caguas.
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
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.