by our College Data Analytics TeamHere you will find what students actually borrow to attend Inter American University of Puerto Rico-Aguadilla— 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 Inter American University of Puerto Rico - Aguadilla specifically, 3% of freshmen borrow to help pay for their first year, averaging $2,590 each, across private and federal loan sources.
On the federal side, the average loan is $2,590, representing 47.1% of the typical first-year dependent student borrowing cap of $5,500. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Inter American University of Puerto Rico - Aguadilla, 12% borrow through federal student loan programs, for a typical $4,184 annually. This works out to 61.5% higher than the $2,590 typical freshmen borrow.
Borrowing at that rate every year works out to about $8,368 across two years and $16,736 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 12% |
| Average federal loan per year | $4,184 |
| Undergraduates with a federal loan | 371 |
| Total federal loans (one year) | $1,552,412 |
Graduating and withdrawing students at Inter American University of Puerto Rico - Aguadilla carry a median federal debt of $5,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $6,250 |
| Students who withdrew | $4,500 |
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 Inter American University of Puerto Rico - Aguadilla.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,750 |
| 75th percentile | $5,500 |
| 90th percentile (highest-debt students) | $8,250 |
How wide this percentile range is tells you how much borrowing varies across students at Inter American University of Puerto Rico - Aguadilla.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Inter American University of Puerto Rico - Aguadilla.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 35 | $6,800 |
Federal data lets us separate Stafford borrowers from the rest at Inter American University of Puerto Rico - Aguadilla.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 22 | — |
| No Stafford loan this year | 13 | — |
The indicators below describe what the typical debt costs to pay back at Inter American University of Puerto Rico - Aguadilla.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $5,500 |
| Middle income | $5,500 |
| High income | $4,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,492 |
| Continuing-generation students | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $5,500 |
Federal data publishes the following gap measures for Inter American University of Puerto Rico - Aguadilla.
Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
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.