by our College Data Analytics TeamThis page focuses on the debt students take on to attend Ana G. Mendez University: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at UAGM, 65% of incoming undergraduates borrow in year one, borrowing on average $7,673 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $7,673. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
For undergraduates overall at UAGM, 68% take out federal student loans, borrowing on average $8,136 each per year. It comes to 6.0% larger than the freshman federal average of $7,673.
Carrying that yearly figure forward comes to roughly $16,272 over two years and about $32,544 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 68% |
| Average federal loan per year | $8,136 |
| Undergraduates with a federal loan | 3,311 |
| Total federal loans (one year) | $26,937,981 |
The median student at UAGM borrows $5,592 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,592 |
| Students who completed (graduates) | $12,188 |
| Students who withdrew | $5,250 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at UAGM.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 20 | $7,041 |
These figures turn the debt totals into a monthly repayment picture for UAGM.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,250 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,666 |
| Continuing-generation students | $5,578 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,500 |
| Independent students | $6,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at UAGM.
Subsidized and 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.