by our College Data Analytics TeamThis page focuses on the debt students take on to attend Texas A&M University-San Antonio, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at Texas A&M San Antonio, 31% of incoming students take out a loan to help cover first-year costs, with a typical loan of $5,771 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $5,142, amounting to 93.5% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Texas A&M San Antonio, 39% take out federal student loans, for a typical $7,291 a year. That amounts to 41.8% above the first-year federal average of $5,142.
Borrowing at that rate every year works out to about $14,582 in two years and roughly $29,164 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 | 39% |
| Average federal loan per year | $7,291 |
| Undergraduates with a federal loan | 2,436 |
| Total federal loans (one year) | $17,760,434 |
The middle borrower at Texas A&M San Antonio owes $12,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,500 |
| Students who completed (graduates) | $18,401 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Texas A&M San Antonio.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,250 |
| 25th percentile | $3,750 |
| 75th percentile | $8,937 |
| 90th percentile (highest-debt students) | $12,500 |
How wide this percentile range is tells you how much borrowing varies across students at Texas A&M San Antonio.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Texas A&M San Antonio.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 335 | $10,000 |
| Completed (graduates) | 169 | $9,333 |
| Did not complete | 166 | $10,641 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $110.98/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Texas A&M San Antonio.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 243 | $9,623 |
| No Stafford loan this year | 92 | $10,703 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Texas A&M San Antonio.
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 | $13,127 |
| Middle income | $12,500 |
| High income | $12,655 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,500 |
| Continuing-generation students | $12,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,102 |
| Independent students | $16,778 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Texas A&M San Antonio.
The Difference Between 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.
Worth Knowing
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.