Inter American University of Puerto Rico-San German
San German, Puerto Rico · Private Nonprofit · 42.5% acceptance rate
ROI Score: 21/100 · Below Benchmark
Data: 2024-25 College Scorecard release
Inter American University of Puerto Rico-San German earns a 21 ROI score (Below Benchmark), reflecting the structural reality of the Puerto Rico labor market more than any institutional failure. Earnings premium is deeply negative at -0.262 (sub-score 1) - graduates earn meaningfully less than the comparison baseline. The 999-year payback figure means lifetime earnings are projected to never recoup costs based on the model. Tuition is just $5,780, with average net price of $9,148 and total four-year cost around $36,592 - exceptionally affordable. Median debt is just $8,500 with a $90/month payment. The challenge is the earnings side: ten-year median earnings of $25,416 reflect Puerto Rico's substantially lower wage levels versus mainland U.S. comparison data. Completion sits at 43.2% (sub-score 26). Several sub-scores are imputed (50) due to data gaps. Mainland-relocating graduates do meaningfully better.
How Inter American University of Puerto Rico-San German scores under our methodology
These are the College Scorecard measures that pull this school's CampusROI score down. They describe the published figures, not the quality of the education, and they are our reading of the data. Check them against your own aid offer and intended major.
- ROI Score21/100 - Below Benchmark tier of our scale (below 45). For context, 38% of the schools we score reach 60 or higher.
- Payback period>50 years - In our estimate, the earnings premium over a high school completer is small next to the cost, so the cost may not be recouped within a working career.
Inter American University of Puerto Rico-San German
Quick Numbers
| In-state tuition + fees | $5,780/yr |
| Out-of-state tuition + fees | $5,780/yr |
| Average net price | $9,148/yr |
| Total 4-year cost (net) | $36,592 |
| Median earnings (10yr post-entry) | $25,416 |
| Average earnings (6yr post-entry) | N/A |
| Median debt at graduation | $8,500 |
| Estimated monthly loan payment | $90 |
| Estimated payback period | >50 years |
| 6-year graduation rate | 43.2% |
| Undergraduate enrollment | 2,569 |
Data as of 2024-2025. Source: College Scorecard API (U.S. Department of Education).
The Full Financial Picture
The first number you'll see is the sticker price: $5,780/year, which covers tuition and fees only. The net price counts books, supplies, and average living costs on top of tuition and fees, then subtracts grants and scholarships. For the average student here it comes to $9,148/year, or roughly $36,592 over four years. That's the number to plan around.
What you actually pay depends a lot on what your family earns. Families making under $30,000/year pay an average of $8,743/year here, while families earning over $110,000 pay N/A/year.
Among graduates who borrowed, the median federal loan debt from this school is $8,500, which works out to about $90 a month on the standard 10-year repayment plan. We do not have the six-year earnings figure needed to work out a debt-to-earnings ratio for this school.
Net Price by Family Income
What families actually pay after grants and scholarships, by income bracket.
| Family Income | Avg Net Price/Year |
|---|---|
| $0 - $30,000 | $8,743 |
| $30,001 - $48,000 | $9,686 |
| $48,001 - $75,000 | $11,667 |
| $75,001 - $110,000 | $12,235 |
| $110,001+ | N/A |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families at $0-$30,000 pay $8,743 net (~$35K over four years). Pell grants alone cover most of the cost; many students graduate with little to no debt. For Pell-eligible Puerto Rico families, this is genuinely affordable. The earnings outcome is what it is - Puerto Rico's labor market sets the ceiling - but the cost structure makes the math sustainable.
Middle-income families ($30K-$110K)
$30,001-$48,000 households pay $9,686 and $48,001-$75,000 pay $11,667. $75,001-$110,000 pay $12,235. Total four-year cost ranges $39K-$49K. For Puerto Rico middle-income families, the cost is modest and manageable. Bracket structure rises smoothly through reported tiers (no inversions to flag).
Higher-income families ($110K+)
Families above $110,000 are not reported (likely too few enrollments at that income level).
Earnings by Major
Top 8 most popular majors at Inter American University of Puerto Rico-San German with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Biology | $32,559 | C |
| Registered Nursing | $37,165 | F |
| Kinesiology and Exercise Science | $19,431 | C+ |
| Accounting | $20,245 | - |
| Teacher Education, Subject-Specific | $31,196 | C+ |
| Entrepreneurship | $28,121 | - |
| Microbiological Sciences and Immunology | $33,355 | - |
| Music | $19,792 | C |
Earnings reflect median 4-year post-completion (or 1-year where 4-year unavailable). Grades based on debt-to-earnings ratio.
Program Analysis
Why these programs deliver their earnings outcomes.
Biology
Biology is the largest program at 76 graduates with a C grade. First-year earnings of $15,765 grow to $32,559 by year four against $11,000 debt (0.698 first-year ratio). The first-year figure is consistent with Puerto Rico's allied-health and lab-tech entry-level wages. Year-four earnings double, suggesting many graduates either advance, complete graduate work, or relocate. Modest debt keeps the math workable.
Registered Nursing
Nursing posts an F grade with 41 graduates. First-year earnings of $9,648 are extremely low (likely reflecting Puerto Rico hospital wage scales for new nurse hires combined with high partial-year/post-licensure delays). Year-four earnings recover to $37,165. Debt of $12,250 is modest, but the year-one ratio of 1.27 is the worst in the program list. Students who can complete licensure and relocate to mainland markets see dramatically better outcomes.
Teacher Education, Subject-Specific
Teacher education enrolls 14 graduates with a C+ grade. Year-four earnings of $31,196 against $16,125 debt produces a 0.517 ratio. Puerto Rico teacher salaries are modest but the cost structure makes the math more sustainable than at most mainland teacher-prep programs.
Accounting
Accounting pulls 18 graduates with year-four earnings of $20,245 reported but missing debt and grade data. The earnings figure is unusually low for accounting and reflects Puerto Rico's small-business audit and tax-prep market. Mainland-relocating graduates would expect substantially higher figures.
Kinesiology and Exercise Science
Kinesiology graduates 26 students with a C+ grade. Year-four earnings of $19,431 against $10,000 debt (0.515 ratio). Like most kinesiology programs, this functions best as a graduate-school feeder; as a terminal degree even at low cost, the earnings ceiling is restrictive.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | N/A | 68.8% |
| 3-year repayment | N/A | 73.6% |
| 5-year repayment | N/A | 67.7% |
| 7-year repayment | N/A | 72.8% |
Completion Rate
Trends Over Time
How Inter American University of Puerto Rico-San German’s cost and outcomes have moved across College Scorecard releases (2009-2024).
Average Net Price
Completion Rate
Median Earnings, 10 Years After Entry (as reported)
Earnings reflect borrowers measured 10 years after entry and publish on an irregular cadence with a multi-year reporting lag, so this series shows only the years the Department of Education reported - the data is never interpolated.
Source: U.S. Department of Education College Scorecard, release years shown. Net price and completion are reported annually.
Admissions Snapshot
| Acceptance rate | 42.5% |
| Enrollment | 2,569 |
| Pell Grant recipients | 83.0% |
| Avg faculty salary (monthly) | $5,766 |
Inter American San German admits 42.5% of applicants. SAT and ACT mid-ranges are not reported in current Scorecard data; Puerto Rico institutions often use the College Board PAA (Prueba de Aptitud Academica) as the primary admissions test, which doesn't appear in Scorecard's standard fields.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Inter American University of Puerto Rico-San German (this school) | 21 | $9,148 | $25,416 |
| Morehouse College | 29 | $39,013 | $52,889 |
| Atlantic University | 26 | $6,425 | $25,272 |
| Indiana Institute of Technology-College of Professional Studies | 24 | $20,473 | $47,327 |
| Lindsey Wilson College | 23 | $15,070 | $41,129 |
| Universidad Adventista de las Antillas | 11 | $9,919 | $28,465 |
Who Thrives Here
Inter American San German fits Western Puerto Rico students - many from Mayaguez, Ponce, and the southwestern municipalities - who want a Spanish-language private university experience close to home. Enrollment of 2,569 makes it a substantial regional campus. The school works financially because the absolute cost is so low (~$36K total over four years) that even modest island earnings can sustainably cover the modest debt. Students considering relocation to the mainland after graduation should expect dramatically better earnings outcomes than the published numbers suggest.
The Verdict: Below Benchmark Under Our Scoring
Under our methodology, Inter American University of Puerto Rico-San German scores 21/100, which falls in the Below Benchmark tier (below 45). At a net price of $9,148 per year, with typical graduate earnings of $25,416 ten years after entry, we estimate the payback period at more than 50 years. In our view that makes the financial case a hard one to make on the numbers alone, but those numbers are averages: your major, your aid package and what you want from a degree all change the picture, so run your own numbers before you commit.
What to keep an eye on: weak earnings relative to cost, its 43.2% graduation rate, a long payback period.
Inter American University of Puerto Rico-San German: Common Questions
Is Inter American University of Puerto Rico-San German worth it?
In our view, the financial case is a hard one to make on the numbers alone. Inter American University of Puerto Rico-San German scores 21/100 on our ROI scale, in the Below Benchmark tier (below 45). At $9,148 a year after aid against $25,416 in typical earnings ten years out, we estimate the payback period at more than 50 years. Your major and aid package can change the picture, so run your own numbers.
How much does Inter American University of Puerto Rico-San German cost after financial aid?
The average net price - the cost of attendance (tuition, fees, books, supplies and average living costs) minus grants and scholarships, for full-time, first-time students receiving federal aid - is about $9,148 a year, or roughly $36,592 over four years. Because it counts living costs, it can run above tuition alone. That is the number to plan around. Actual cost varies by family income, per the U.S. Department of Education's College Scorecard.
What do Inter American University of Puerto Rico-San German graduates earn?
The typical graduate earns about $25,416 ten years after enrolling, at or below the $41,800 median for high-school graduates (NCES, 2022). With little earnings gap to cover the cost, the financial return is hard to make.
How long does it take to pay off Inter American University of Puerto Rico-San German?
We estimate the payback period - the time it takes for the earnings bump over a high-school graduate to cover what you spent - at more than 50 years for Inter American University of Puerto Rico-San German. The median across the schools we track is about 12 years.
What is the graduation rate at Inter American University of Puerto Rico-San German?
The six-year graduation rate is 43.2%. The national average for four-year schools is 64% (NCES, 2022). Completion is 15% of our ROI score, since a degree you don't finish rarely pays back.
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Data: College Scorecard API (U.S. Department of Education)
Vintage: 2024-2025 · Last updated: 2026-03-25
Earnings reflect median outcomes for all federal financial aid recipients. Individual results vary by major, effort, and career path.