CEM College-Humacao
For-profit College in Humacao, PR. Six-year graduation rate 36%. Median 10-year earnings $21,033.
Median earnings ten years after entry come to $21,033, below what most undergraduate institutions return — the central fact to weigh against cost here. The six-year graduation rate is 36% — low enough that finishing cannot be treated as the default outcome. Median debt at graduation is $5,000, a light load against those earnings.
Earnings: College Scorecard, median ten years after entry across students who received federal aid — completers and non-completers alike.
- ✓ Debt-to-income ratio 0.24 — healthy (below the 0.40 threshold)
- ✓ 3-year loan default 0.0% — below national benchmark
Academics
A six-year graduation rate of 36% means finishing is closer to the exception than the rule. First-year retention of 80% shows the cohort holds together through the hardest year. Retention runs well ahead of completion, which means students are not leaving immediately; they are leaving somewhere between the second year and the finish line. At 10:1, students get materially more instructor contact than at a typical public university. Being a for-profit four-year institution is the single most useful context for these numbers — the sector's spread is wide enough that the school-level figures matter more than usual.
Financial Aid
IPEDS Student Financial Aid · 2023-24 · grant and loan rates against 174 degree- or certificate-seeking undergraduates
Average net price after grant aid is $15,336 a year — mid-range for a four-year institution. Income makes less difference than usual: $15,256 at $0–30k, $16,069 at $30–48k. Most students get help: 94% receive grants worth $2,719 on average. Federal borrowing is uncommon here at 8% of students.
Entering first-year students
A different, smaller group than the rates above: full-time students in their first year of college anywhere. The grant series here also excludes the "other sources" counted in the all-undergraduate figure, so the two are not comparable.
IPEDS Student Financial Aid · 2023-24 · 51 students
Net price by family income
The same students as the headline above, limited to those who received Title IV federal aid — a narrower group, with a lower overall average. IPEDS publishes no combined figure across these bands, so they should not be averaged into one.
| Family income band | Average net price |
|---|---|
| $0–30k | $15,256 |
| $30–48k | $16,069 |
| $48–75k | — |
| $75–110k | — |
| $110k+ | — |
IPEDS Student Financial Aid · 2023-24
Federal student loans went to 14 of these 174 students, totalling $48,176 — an average of $3,441 each.
IPEDS Student Financial Aid · 2023-24
Local housing costs
Typical rents near campus (Humacao Municipio) — budget these against any cost-of-attendance housing estimate.
HUD Fair Market Rents (40th-percentile gross rent incl. utilities) · FY2026