by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Universidad Ana G. Mendez-Gurabo Campus: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Universidad del Turabo, 100% of first-year students take on loan debt, averaging $4,381 each, across private and federal loan sources.
The average federally funded loan is $4,381, or about 79.7% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Universidad del Turabo, freshmen included, 28% borrow through federal student loan programs, averaging $5,246 a year. This works out to 19.7% higher than the $4,381 freshmen take on.
At a steady annual pace, that totals around $10,492 in two years and roughly $20,984 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 28% |
| Average federal loan per year | $5,246 |
| Undergraduates with a federal loan | 2,130 |
| Total federal loans (one year) | $11,174,078 |
The median student at Universidad del Turabo borrows $9,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,000 |
| Students who completed (graduates) | $13,448 |
| Students who withdrew | $6,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Universidad del Turabo.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,750 |
| 75th percentile | $12,746 |
| 90th percentile (highest-debt students) | $26,480 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Universidad del Turabo.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Universidad del Turabo.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 112 | $7,505 |
| Completed (graduates) | 35 | $5,000 |
| Did not complete | 77 | $7,510 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $59.46/mo.
Federal data lets us separate Stafford borrowers from the rest at Universidad del Turabo.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 78 | $6,676 |
| No Stafford loan this year | 34 | $9,504 |
The indicators below describe what the typical debt costs to pay back at Universidad del Turabo.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Universidad del Turabo is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.5% |
| Borrowers in the cohort | 2736 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $8,750 |
| Middle income | $9,579 |
| High income | $12,250 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,062 |
| Continuing-generation students | $8,637 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,000 |
| Independent students | $13,566 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Universidad del Turabo.
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.
Did You Know?
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.