by our College Data Analytics TeamThis page focuses on the debt students take on to attend Inter American University of Puerto Rico-San German— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
At Inter American University of Puerto Rico - San German, 2% of first-year students take on loan debt, for an average of $2,947 per borrower, covering both private and federal loans.
On the federal side, the average loan is $2,947, equal to roughly 53.6% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at Inter American University of Puerto Rico - San German, 12% finance part of their studies with federal loans, with a mean of $3,831 annually. This works out to 30.0% larger than the freshman federal average of $2,947.
Repeating that yearly amount projects to about $7,662 by year two and around $15,324 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 12% |
| Average federal loan per year | $3,831 |
| Undergraduates with a federal loan | 308 |
| Total federal loans (one year) | $1,179,877 |
The middle borrower at Inter American University of Puerto Rico - San German owes $7,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,000 |
| Students who completed (graduates) | $8,500 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
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 - San German.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,625 |
| 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 - San German.
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 - San German.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 184 | $4,500 |
| Completed (graduates) | 66 | $4,000 |
| Did not complete | 118 | $5,000 |
On a standard 10-year plan, the median completing borrower would pay about $47.56/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Inter American University of Puerto Rico - San German.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 111 | $4,000 |
| No Stafford loan | 73 | $5,000 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 96 | $4,050 |
| No Stafford loan this year | 88 | $5,000 |
These figures turn the debt totals into a monthly repayment picture for Inter American University of Puerto Rico - San German.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,750 |
| Middle income | $7,675 |
| High income | $5,575 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,750 |
| Continuing-generation students | $7,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,750 |
| Independent students | $8,250 |
Federal data publishes the following gap measures for Inter American University of Puerto Rico - San German.
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.