by our College Data Analytics TeamThis page focuses on the debt students take on to attend University of Puerto Rico-Medical Sciences, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For undergraduates overall at UPR Medical Sciences, 29% use federal student loans to help pay for their education, for a typical $5,813 in federal loans per year.
Repeating that yearly amount projects to about $11,626 by year two and around $23,252 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 29% |
| Average federal loan per year | $5,813 |
| Undergraduates with a federal loan | 64 |
| Total federal loans (one year) | $372,046 |
Graduating and withdrawing students at UPR Medical Sciences carry a median federal debt of $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for UPR Medical Sciences.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,000 |
| 25th percentile | $4,500 |
| 75th percentile | $11,000 |
| 90th percentile (highest-debt students) | $13,300 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at UPR Medical Sciences.
The indicators below describe what the typical debt costs to pay back at UPR Medical Sciences.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for UPR Medical Sciences appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.3% |
| Borrowers in the cohort | 30 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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
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.