by our College Data Analytics TeamThis page focuses on the debt students take on to attend Inter American University of Puerto Rico-Arecibo: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Looking at the entering class at Inter American University of Puerto Rico - Arecibo, 2% of first-year students take on loan debt, with a typical loan of $3,728 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $3,728, or about 67.8% 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.
Counting every undergraduate at Inter American University of Puerto Rico - Arecibo, 15% rely on federal student loans toward their education, for a typical $4,663 each per year. That is 25.1% more than the freshman federal average of $3,728.
At a steady annual pace, that totals around $9,326 in two years and roughly $18,652 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 | 15% |
| Average federal loan per year | $4,663 |
| Undergraduates with a federal loan | 341 |
| Total federal loans (one year) | $1,590,112 |
The middle borrower at Inter American University of Puerto Rico - Arecibo owes $6,750 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,750 |
| Students who completed (graduates) | $9,000 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Inter American University of Puerto Rico - Arecibo.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,980 |
| 25th percentile | $2,750 |
| 75th percentile | $5,500 |
| 90th percentile (highest-debt students) | $9,000 |
How wide this percentile range is tells you how much borrowing varies across students at Inter American University of Puerto Rico - Arecibo.
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 - Arecibo.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 31 | $6,500 |
Federal data lets us separate Stafford borrowers from the rest at Inter American University of Puerto Rico - Arecibo.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 16 | — |
| No Stafford loan this year | 15 | — |
These figures turn the debt totals into a monthly repayment picture for Inter American University of Puerto Rico - Arecibo.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,188 |
| Middle income | $8,250 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,750 |
| Continuing-generation students | $6,750 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,050 |
| Independent students | $8,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Inter American University of Puerto Rico - Arecibo.
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.
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.