by our College Data Analytics TeamHere you will find what students actually borrow to attend Inter American University of Puerto Rico-Guayama— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At Inter American University of Puerto Rico - Guayama, 7% of incoming undergraduates borrow in year one, with a typical loan of $2,938 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $2,938, or about 53.4% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. 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 - Guayama, 25% use federal student loans to help pay for their education, with a mean of $6,633 a year. This works out to 125.8% greater than the $2,938 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $13,266 after two years and $26,532 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 25% |
| Average federal loan per year | $6,633 |
| Undergraduates with a federal loan | 410 |
| Total federal loans (one year) | $2,719,708 |
The middle borrower at Inter American University of Puerto Rico - Guayama owes $6,775 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,775 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $5,250 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Inter American University of Puerto Rico - Guayama.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,710 |
| 25th percentile | $2,250 |
| 75th percentile | $5,500 |
| 90th percentile (highest-debt students) | $9,975 |
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 - Guayama.
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 - Guayama.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 57 | $6,000 |
| Completed (graduates) | 25 | $6,000 |
| Did not complete | 32 | $6,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $71.35/mo.
Federal data lets us separate Stafford borrowers from the rest at Inter American University of Puerto Rico - Guayama.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 47 | — |
| No Stafford loan | 10 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 38 | $6,000 |
| No Stafford loan this year | 19 | $6,000 |
These figures turn the debt totals into a monthly repayment picture for Inter American University of Puerto Rico - Guayama.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,700 |
| Continuing-generation students | $7,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,294 |
| Independent students | $7,834 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Inter American University of Puerto Rico - Guayama.
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?
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.