by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Inter American University of Puerto Rico-Bayamon: 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 Inter American University of Puerto Rico - Bayamon specifically, 4% of incoming undergraduates borrow in year one, for an average of $3,092 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $3,092, representing 56.2% of the $5,500 cap on first-year federal borrowing for the 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.
Among all degree-seeking undergrads at Inter American University of Puerto Rico - Bayamon, 13% rely on federal student loans toward their education, for a typical $4,061 a year. This is 31.3% more than the $3,092 borrowed by freshmen.
Borrowing at that rate every year works out to about $8,122 in two years and roughly $16,244 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 | 13% |
| Average federal loan per year | $4,061 |
| Undergraduates with a federal loan | 459 |
| Total federal loans (one year) | $1,863,869 |
Graduating and withdrawing students at Inter American University of Puerto Rico - Bayamon carry a median federal debt of $5,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $8,250 |
| 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.
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 - Bayamon.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,750 |
| 75th percentile | $5,500 |
| 90th percentile (highest-debt students) | $8,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Inter American University of Puerto Rico - Bayamon.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Inter American University of Puerto Rico - Bayamon.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 143 | $12,000 |
| Completed (graduates) | 36 | $17,022 |
| Did not complete | 107 | $11,700 |
On a standard 10-year plan, the median completing borrower would pay about $202.41/mo.
Federal data lets us separate Stafford borrowers from the rest at Inter American University of Puerto Rico - Bayamon.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 82 | $13,000 |
| No Stafford loan | 61 | $11,700 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 65 | $12,673 |
| No Stafford loan this year | 78 | $11,925 |
The indicators below describe what the typical debt costs to pay back at Inter American University of Puerto Rico - Bayamon.
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 | $5,400 |
| Middle income | $5,750 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,313 |
| Continuing-generation students | $5,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,380 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Inter American University of Puerto Rico - Bayamon.
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.