by our College Data Analytics TeamThis page focuses on the debt students take on to attend Inter American University of Puerto Rico-Metro, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Inter American University of Puerto Rico - Metro, 3% of new students use loans toward freshman-year expenses, with a typical loan of $5,691 each, across private and federal loan sources.
The typical federal loan comes to $5,691. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at Inter American University of Puerto Rico - Metro, 18% take out federal student loans, borrowing on average $5,248 each per year. This works out to 7.8% smaller than the freshman federal average of $5,691.
Carrying that yearly figure forward comes to roughly $10,496 after two years and $20,992 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 18% |
| Average federal loan per year | $5,248 |
| Undergraduates with a federal loan | 483 |
| Total federal loans (one year) | $2,534,971 |
The median student at Inter American University of Puerto Rico - Metro borrows $8,666 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,666 |
| Students who completed (graduates) | $10,975 |
| Students who withdrew | $6,900 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Inter American University of Puerto Rico - Metro.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,750 |
| 75th percentile | $7,700 |
| 90th percentile (highest-debt students) | $12,100 |
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 - Metro.
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 - Metro.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 276 | $9,000 |
| Completed (graduates) | 102 | $12,000 |
| Did not complete | 174 | $7,390 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $142.69/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Inter American University of Puerto Rico - Metro.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 193 | $9,000 |
| No Stafford loan | 83 | $8,000 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 148 | $8,000 |
| No Stafford loan this year | 128 | $10,217 |
The indicators below describe what the typical debt costs to pay back at Inter American University of Puerto Rico - Metro.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $8,499 |
| Middle income | $8,832 |
| High income | $9,920 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,666 |
| Continuing-generation students | $8,666 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,000 |
| Independent students | $9,551 |
Federal data publishes the following gap measures for Inter American University of Puerto Rico - Metro.
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.
Important to Remember
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.