by our College Data Analytics TeamHere you will find what students actually borrow to attend Universidad Ana G. Mendez-Carolina Campus: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At UNE, 12% of freshmen borrow to help pay for their first year, with a typical loan of $2,163 per student, private and federal loans combined.
The average federally funded loan is $2,163, which is 39.3% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at UNE, 32% take out federal student loans, for a typical $5,689 annually. That is 163.0% higher than the freshman federal average of $2,163.
Borrowing the same amount each year would add up to roughly $11,378 across two years and $22,756 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 32% |
| Average federal loan per year | $5,689 |
| Undergraduates with a federal loan | 1,406 |
| Total federal loans (one year) | $7,999,077 |
The middle borrower at UNE owes $10,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,000 |
| Students who completed (graduates) | $14,500 |
| Students who withdrew | $6,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at UNE.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,750 |
| 75th percentile | $11,000 |
| 90th percentile (highest-debt students) | $20,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at UNE.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at UNE.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 67 | $4,800 |
| Completed (graduates) | 23 | $5,000 |
| Did not complete | 44 | $4,157 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $59.46/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at UNE.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 55 | — |
| No Stafford loan this year | 12 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. UNE.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for UNE appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.3% |
| Borrowers in the cohort | 2545 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $9,750 |
| Middle income | $10,700 |
| High income | $14,075 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,063 |
| Continuing-generation students | $9,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,750 |
| Independent students | $15,395 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at UNE.
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.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.