by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Polytechnic University of Puerto Rico-Miami, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Counting every undergraduate at Polytechnic University of Puerto Rico - Miami, 97% rely on federal student loans toward their education, borrowing on average $7,979 in federal loans per year.
Borrowing the same amount each year would add up to roughly $15,958 by year two and around $31,916 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 97% |
| Average federal loan per year | $7,979 |
| Undergraduates with a federal loan | 28 |
| Total federal loans (one year) | $223,417 |
The median student at Polytechnic University of Puerto Rico - Miami borrows $12,830 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,830 |
| Students who completed (graduates) | $22,564 |
| Students who withdrew | $10,666 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Polytechnic University of Puerto Rico - Miami.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,668 |
| 75th percentile | $22,500 |
| 90th percentile (highest-debt students) | $34,169 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Polytechnic University of Puerto Rico - Miami.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Polytechnic University of Puerto Rico - Miami.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 58 | $9,461 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Polytechnic University of Puerto Rico - Miami.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 44 | — |
| No Stafford loan this year | 14 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Polytechnic University of Puerto Rico - Miami.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Polytechnic University of Puerto Rico - Miami follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.9% |
| Borrowers in the cohort | 666 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $12,542 |
| Middle income | $12,666 |
| High income | $15,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,500 |
| Continuing-generation students | $13,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $14,666 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Polytechnic University of Puerto Rico - Miami.
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
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.