by our College Data Analytics TeamThis page focuses on the debt students take on to attend EDP University of Puerto Rico-Manati— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At EDP - Manati specifically, 61% of first-year students take on loan debt, for an average of $6,209 each, across private and federal loan sources.
The average federal loan is $6,209. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at EDP - Manati, 62% finance part of their studies with federal loans, at an average of $9,517 per year. That is 53.3% greater than the first-year federal average of $6,209.
Repeating that yearly amount projects to about $19,034 in two years and roughly $38,068 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 62% |
| Average federal loan per year | $9,517 |
| Undergraduates with a federal loan | 280 |
| Total federal loans (one year) | $2,664,854 |
The middle borrower at EDP - Manati owes $10,500 of cumulative federal debt.
| 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.
Half of all borrowers fall between the 25th and 75th percentiles shown below for EDP - Manati.
| 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 - Manati.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for EDP - Manati.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 47 | $4,443 |
| Completed (graduates) | 27 | $4,310 |
| Did not complete | 20 | $4,471 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $51.25/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at EDP - Manati.
Current-Year Stafford Borrowers
| 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 - Manati.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for EDP - Manati 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.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| 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 |
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 - Manati.
The Difference Between Subsidized and 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.
Worth Knowing
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.