by our College Data Analytics TeamThis page focuses on the debt students take on to attend Inter American University of Puerto Rico-Fajardo: 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 - Fajardo, 2% of first-year students take on loan debt, borrowing on average $3,629 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $3,629, amounting to 66.0% of the typical first-year dependent student borrowing cap of $5,500. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at Inter American University of Puerto Rico - Fajardo (freshmen included), 12% rely on federal student loans toward their education, borrowing on average $4,742 in federal loans per year. This works out to 30.7% above the $3,629 borrowed by freshmen.
At a steady annual pace, that totals around $9,484 after two years and $18,968 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 | 12% |
| Average federal loan per year | $4,742 |
| Undergraduates with a federal loan | 137 |
| Total federal loans (one year) | $649,658 |
The middle borrower at Inter American University of Puerto Rico - Fajardo owes $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $5,750 |
| Students who withdrew | $5,500 |
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 - Fajardo.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,400 |
| 25th percentile | $2,000 |
| 75th percentile | $5,500 |
| 90th percentile (highest-debt students) | $5,750 |
How wide this percentile range is tells you how much borrowing varies across students at Inter American University of Puerto Rico - Fajardo.
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 - Fajardo.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 23 | $10,888 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Inter American University of Puerto Rico - Fajardo.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,750 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,983 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Inter American University of Puerto Rico - Fajardo.
Subsidized vs. 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
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.