by our College Data Analytics TeamBelow is federal data on the loans students use to pay for University of New Mexico-Valencia County Campus— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Among first-year students at UNM Valencia, 0% of incoming undergraduates borrow in year one.
Looking at all undergraduates at UNM Valencia, freshmen included, 12% use federal student loans to help pay for their education, for a typical $1,656 annually.
At a steady annual pace, that totals around $3,312 by year two and around $6,624 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 12% |
| Average federal loan per year | $1,656 |
| Undergraduates with a federal loan | 58 |
| Total federal loans (one year) | $96,047 |
Graduating and withdrawing students at UNM Valencia carry a median federal debt of $13,698 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $13,698 |
| Students who completed (graduates) | $18,450 |
| Students who withdrew | $9,322 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for UNM Valencia.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $25,000 |
| 90th percentile (highest-debt students) | $36,820 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at UNM Valencia.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at UNM Valencia.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 879 | $12,107 |
| Completed (graduates) | 412 | $13,000 |
| Did not complete | 467 | $11,337 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $154.58/mo.
Federal data lets us separate Stafford borrowers from the rest at UNM Valencia.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 858 | $12,053 |
| No Stafford loan | 21 | $12,781 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 607 | $10,500 |
| No Stafford loan this year | 272 | $15,155 |
Repayment burden translates the debt figures into what a borrower actually pays each month. UNM Valencia.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for UNM Valencia is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.9% |
| Borrowers in the cohort | 4873 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $14,250 |
| Middle income | $13,238 |
| High income | $13,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $13,750 |
| Continuing-generation students | $13,097 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $18,000 |
Federal data publishes the following gap measures for UNM Valencia.
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.
Worth Knowing
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.