by our College Data Analytics TeamBelow is federal data on the loans students use to pay for University of Puerto Rico-Arecibo, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at UPR Arecibo, 0% of incoming undergraduates borrow in year one, with a typical loan of $3,500 each, across private and federal loan sources.
Federal loans alone average $3,500, equal to roughly 63.6% 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 UPR Arecibo, freshmen included, 3% borrow through federal student loan programs, borrowing on average $4,671 in federal loans per year. It comes to 33.5% greater than the first-year federal average of $3,500.
Borrowing the same amount each year would add up to roughly $9,342 in two years and roughly $18,684 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 3% |
| Average federal loan per year | $4,671 |
| Undergraduates with a federal loan | 93 |
| Total federal loans (one year) | $434,375 |
The median student at UPR Arecibo borrows $4,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,500 |
| Students who completed (graduates) | $4,500 |
| Students who withdrew | $4,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at UPR Arecibo.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,000 |
| 25th percentile | $3,500 |
| 75th percentile | $5,500 |
| 90th percentile (highest-debt students) | $9,000 |
How wide this percentile range is tells you how much borrowing varies across students at UPR Arecibo.
The indicators below describe what the typical debt costs to pay back at UPR Arecibo.
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 Arecibo appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.0% |
| Borrowers in the cohort | 10 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $4,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $4,500 |
| Continuing-generation students | $5,000 |
Federal data publishes the following gap measures for UPR Arecibo.
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.