by our College Data Analytics TeamHere you will find what students actually borrow to attend Polytechnic University of Puerto Rico-Orlando— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At Polytechnic University of Puerto Rico - Orlando, 38% of new students use loans toward freshman-year expenses, averaging $5,500 per student, private and federal loans combined.
On the federal side, the average loan is $5,500, or about 100.0% of the typical first-year dependent student borrowing cap of $5,500. 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 Polytechnic University of Puerto Rico - Orlando, 64% borrow through federal student loan programs, averaging $7,870 per year. That is 43.1% more than the $5,500 typical freshmen borrow.
Borrowing at that rate every year works out to about $15,740 across two years and $31,480 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 64% |
| Average federal loan per year | $7,870 |
| Undergraduates with a federal loan | 65 |
| Total federal loans (one year) | $511,546 |
The middle borrower at Polytechnic University of Puerto Rico - Orlando owes $12,830 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,830 |
| Students who completed (graduates) | $22,564 |
| Students who withdrew | $10,666 |
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 Polytechnic University of Puerto Rico - Orlando.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,668 |
| 75th percentile | $22,500 |
| 90th percentile (highest-debt students) | $34,169 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Polytechnic University of Puerto Rico - Orlando.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Polytechnic University of Puerto Rico - Orlando.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 58 | $9,461 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Polytechnic University of Puerto Rico - Orlando.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 44 | — |
| No Stafford loan this year | 14 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Polytechnic University of Puerto Rico - Orlando.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Polytechnic University of Puerto Rico - Orlando follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.9% |
| Borrowers in the cohort | 666 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $12,542 |
| Middle income | $12,666 |
| High income | $15,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,500 |
| Continuing-generation students | $13,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $14,666 |
Federal data publishes the following gap measures for Polytechnic University of Puerto Rico - Orlando.
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
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.