by our College Data Analytics TeamThis page focuses on the debt students take on to attend University of Puerto Rico-Aguadilla: 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.
At UPR Aguadilla specifically, 3% of incoming students take out a loan to help cover first-year costs, with a typical loan of $2,554 each, across private and federal loan sources.
Federal loans alone average $2,554, equal to roughly 46.4% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at UPR Aguadilla, 6% use federal student loans to help pay for their education, averaging $3,784 annually. This is 48.2% larger than the $2,554 borrowed by freshmen.
Borrowing at that rate every year works out to about $7,568 after two years and $15,136 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 6% |
| Average federal loan per year | $3,784 |
| Undergraduates with a federal loan | 115 |
| Total federal loans (one year) | $435,177 |
The middle borrower at UPR Aguadilla owes $5,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $5,500 |
| Students who withdrew | $3,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for UPR Aguadilla.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $2,750 |
| 75th percentile | $8,100 |
| 90th percentile (highest-debt students) | $12,950 |
How wide this percentile range is tells you how much borrowing varies across students at UPR Aguadilla.
These figures turn the debt totals into a monthly repayment picture for UPR Aguadilla.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for UPR Aguadilla is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.2% |
| Borrowers in the cohort | 32 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $5,250 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $4,750 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at UPR Aguadilla.
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.