by our College Data Analytics TeamThis page focuses on the debt students take on to attend Universidad Ana G. Mendez-Cupey Campus, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at UMET, 23% of freshmen borrow to help pay for their first year, at roughly $4,650 per student, private and federal loans combined.
The typical federal loan comes to $4,650, which is 84.5% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at UMET, 59% take out federal student loans, borrowing on average $4,202 per year. That is 9.6% less than the $4,650 freshmen take on.
Carrying that yearly figure forward comes to roughly $8,404 by year two and around $16,808 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 59% |
| Average federal loan per year | $4,202 |
| Undergraduates with a federal loan | 2,691 |
| Total federal loans (one year) | $11,307,054 |
The median student at UMET borrows $10,006 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,006 |
| Students who completed (graduates) | $14,250 |
| Students who withdrew | $7,250 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at UMET.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,806 |
| 75th percentile | $13,078 |
| 90th percentile (highest-debt students) | $21,244 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at UMET.
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 UMET.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 60 | $6,306 |
| Completed (graduates) | 25 | $6,003 |
| Did not complete | 35 | $6,609 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $71.38/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at UMET.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 45 | — |
| No Stafford loan this year | 15 | — |
The indicators below describe what the typical debt costs to pay back at UMET.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for UMET follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.6% |
| Borrowers in the cohort | 2409 |
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 | $10,011 |
| Middle income | $10,000 |
| High income | $10,487 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,151 |
| Continuing-generation students | $9,976 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,250 |
| Independent students | $14,916 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at UMET.
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
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.