by our College Data Analytics TeamThis page focuses on the debt students take on to attend EDP University of Puerto Rico-Humacao: 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.
At EDP - Humacao specifically, 69% of incoming undergraduates borrow in year one, borrowing on average $12,626 per borrower, covering both private and federal loans.
The average federally funded loan is $8,774. 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.
For undergraduates overall at EDP - Humacao, 60% finance part of their studies with federal loans, at an average of $8,290 in federal loans per year. It comes to 5.5% lower than the first-year federal average of $8,774.
Carrying that yearly figure forward comes to roughly $16,580 across two years and $33,160 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 60% |
| Average federal loan per year | $8,290 |
| Undergraduates with a federal loan | 162 |
| Total federal loans (one year) | $1,342,922 |
The middle borrower at EDP - Humacao owes $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 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for EDP - Humacao.
| 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 - Humacao.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for EDP - Humacao.
| 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 - Humacao.
Current-Year Stafford Borrowers
| 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 - Humacao.
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 - Humacao appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.2% |
| Borrowers in the cohort | 190 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| 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 |
Dependency-Status Comparison
| 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 - Humacao.
The Difference Between 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.
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.