by our College Data Analytics TeamHere you will find what students actually borrow to attend University of Puerto Rico-Humacao— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
For incoming students at UPR Humacao, 3% of new students use loans toward freshman-year expenses, for an average of $3,663 each, across private and federal loan sources.
The typical federal loan comes to $3,663, or about 66.6% 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.
Across the full undergraduate body at UPR Humacao (freshmen included), 4% use federal student loans to help pay for their education, at an average of $4,547 in federal loans per year. It comes to 24.1% more than the $3,663 typical freshmen borrow.
At a steady annual pace, that totals around $9,094 after two years and $18,188 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 4% |
| Average federal loan per year | $4,547 |
| Undergraduates with a federal loan | 98 |
| Total federal loans (one year) | $445,612 |
The median student at UPR Humacao borrows $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $5,500 |
| Students who withdrew | $4,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at UPR Humacao.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,250 |
| 25th percentile | $3,000 |
| 75th percentile | $6,500 |
| 90th percentile (highest-debt students) | $10,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at UPR Humacao.
These figures turn the debt totals into a monthly repayment picture for UPR Humacao.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for UPR Humacao follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 13 |
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 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,250 |
Federal data publishes the following gap measures for UPR Humacao.
Subsidized and 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.
Did You Know?
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.