by our College Data Analytics TeamHere you will find what students actually borrow to attend Pontifical Catholic University of Puerto Rico-Mayaguez: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Looking at the entering class at Pontifical Catholic University of Puerto Rico - Mayaguez, 16% of incoming undergraduates borrow in year one, averaging $4,453 per student, private and federal loans combined.
The average federally funded loan is $4,453, equal to roughly 81.0% of the typical first-year dependent student borrowing cap of $5,500. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Pontifical Catholic University of Puerto Rico - Mayaguez, 25% finance part of their studies with federal loans, with a mean of $5,767 each per year. This works out to 29.5% higher than the freshman federal average of $4,453.
At a steady annual pace, that totals around $11,534 in two years and roughly $23,068 over a four-year span. 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 | $5,767 |
| Undergraduates with a federal loan | 147 |
| Total federal loans (one year) | $847,797 |
The median student at Pontifical Catholic University of Puerto Rico - Mayaguez borrows $11,337 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,337 |
| Students who completed (graduates) | $15,500 |
| Students who withdrew | $7,000 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Pontifical Catholic University of Puerto Rico - Mayaguez.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,142 |
| 25th percentile | $3,900 |
| 75th percentile | $17,700 |
| 90th percentile (highest-debt students) | $27,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Pontifical Catholic University of Puerto Rico - Mayaguez.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Pontifical Catholic University of Puerto Rico - Mayaguez.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 41 | $6,085 |
| Completed (graduates) | 20 | $5,711 |
| Did not complete | 21 | $6,085 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $67.91/mo.
Federal data lets us separate Stafford borrowers from the rest at Pontifical Catholic University of Puerto Rico - Mayaguez.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 29 | — |
| No Stafford loan this year | 12 | — |
The indicators below describe what the typical debt costs to pay back at Pontifical Catholic University of Puerto Rico - Mayaguez.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Pontifical Catholic University of Puerto Rico - Mayaguez follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 20.7% |
| Borrowers in the cohort | 1941 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $11,000 |
| Middle income | $11,600 |
| High income | $15,626 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $11,200 |
| Continuing-generation students | $11,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,000 |
| Independent students | $15,500 |
Federal data publishes the following gap measures for Pontifical Catholic University of Puerto Rico - Mayaguez.
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.