by our College Data Analytics TeamHere you will find what students actually borrow to attend University of Puerto Rico at Cayey: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Among first-year students at UPR Cayey, 1% of freshmen borrow to help pay for their first year, with a typical loan of $3,500 per student, private and federal loans combined.
Federal loans alone average $3,500, amounting to 63.6% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at UPR Cayey, 0% use federal student loans to help pay for their education, with a mean of $4,250 a year. That amounts to 21.4% above the $3,500 freshmen take on.
Borrowing at that rate every year works out to about $8,500 after two years and $17,000 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 0% |
| Average federal loan per year | $4,250 |
| Undergraduates with a federal loan | 8 |
| Total federal loans (one year) | $34,000 |
Graduating and withdrawing students at UPR Cayey carry a median federal debt of $5,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,000 |
| Students who completed (graduates) | $5,000 |
| Students who withdrew | $5,000 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for UPR Cayey.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,599 |
| 25th percentile | $3,500 |
| 75th percentile | $5,500 |
| 90th percentile (highest-debt students) | $9,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at UPR Cayey.
These figures turn the debt totals into a monthly repayment picture for UPR Cayey.
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 UPR Cayey follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 12 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $5,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,000 |
| Continuing-generation students | $5,000 |
Federal data publishes the following gap measures for UPR Cayey.
Subsidized and 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.
Important to Remember
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.