by our College Data Analytics TeamThis page focuses on the debt students take on to attend Liceo de Arte y Tecnologia, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Liceo de Arte y Tecnologia, 5% of new students use loans toward freshman-year expenses, at roughly $3,612 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $3,612, which is 65.7% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Liceo de Arte y Tecnologia, freshmen included, 10% borrow through federal student loan programs, borrowing on average $5,224 annually. That is 44.6% higher than the $3,612 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $10,448 across two years and $20,896 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 10% |
| Average federal loan per year | $5,224 |
| Undergraduates with a federal loan | 51 |
| Total federal loans (one year) | $266,400 |
The median student at Liceo de Arte y Tecnologia borrows $3,599 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,599 |
| Students who completed (graduates) | $4,293 |
| Students who withdrew | $2,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Liceo de Arte y Tecnologia.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $672 |
| 25th percentile | $963 |
| 75th percentile | $6,670 |
| 90th percentile (highest-debt students) | $11,519 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Liceo de Arte y Tecnologia.
These figures turn the debt totals into a monthly repayment picture for Liceo de Arte y Tecnologia.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Liceo de Arte y Tecnologia is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.6% |
| Borrowers in the cohort | 196 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $1,709 |
| Middle income | $5,834 |
| High income | $10,697 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $2,827 |
| Continuing-generation students | $5,701 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,500 |
| Independent students | $3,972 |
Federal data publishes the following gap measures for Liceo de Arte y Tecnologia.
Subsidized vs. 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
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.