by our College Data Analytics TeamHere you will find what students actually borrow to attend Inter American University of Puerto Rico-Barranquitas— 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 Inter American University of Puerto Rico - Barranquitas specifically, 7% of incoming students take out a loan to help cover first-year costs, averaging $2,432 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $2,432, equal to roughly 44.2% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Inter American University of Puerto Rico - Barranquitas, freshmen included, 11% take out federal student loans, averaging $3,833 per year. This works out to 57.6% larger than the $2,432 typical freshmen borrow.
At a steady annual pace, that totals around $7,666 across two years and $15,332 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 11% |
| Average federal loan per year | $3,833 |
| Undergraduates with a federal loan | 98 |
| Total federal loans (one year) | $375,618 |
Graduating and withdrawing students at Inter American University of Puerto Rico - Barranquitas carry a median federal debt of $3,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,500 |
| Students who completed (graduates) | $5,200 |
| Students who withdrew | $2,775 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Inter American University of Puerto Rico - Barranquitas.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $700 |
| 25th percentile | $1,000 |
| 75th percentile | $3,175 |
| 90th percentile (highest-debt students) | $5,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Inter American University of Puerto Rico - Barranquitas.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Inter American University of Puerto Rico - Barranquitas.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 38 | $4,000 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Inter American University of Puerto Rico - Barranquitas.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 13 | — |
| No Stafford loan | 25 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 10 | — |
| No Stafford loan this year | 28 | — |
The indicators below describe what the typical debt costs to pay back at Inter American University of Puerto Rico - Barranquitas.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $3,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $3,500 |
| Continuing-generation students | $5,200 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,500 |
| Independent students | $4,450 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Inter American University of Puerto Rico - Barranquitas.
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
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.