by our College Data Analytics TeamBelow is federal data on the loans students use to pay for University of Puerto Rico-Bayamon, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At UPR Bayamon, 2% of incoming undergraduates borrow in year one, averaging $3,033 per student, private and federal loans combined.
The typical federal loan comes to $3,033, amounting to 55.1% of the typical first-year dependent student borrowing cap of $5,500. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at UPR Bayamon, 4% rely on federal student loans toward their education, borrowing on average $4,237 each per year. That is 39.7% above the $3,033 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $8,474 over two years and about $16,948 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 4% |
| Average federal loan per year | $4,237 |
| Undergraduates with a federal loan | 119 |
| Total federal loans (one year) | $504,184 |
The median student at UPR Bayamon borrows $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 | $4,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for UPR Bayamon.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,250 |
| 25th percentile | $3,500 |
| 75th percentile | $5,750 |
| 90th percentile (highest-debt students) | $10,250 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at UPR Bayamon.
These figures turn the debt totals into a monthly repayment picture for UPR Bayamon.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for UPR Bayamon is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.8% |
| Borrowers in the cohort | 4 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at UPR Bayamon.
Subsidized vs. Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
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.