CEM College-San Juan
For-profit College in San Juan, PR. Six-year graduation rate 86%. Median 10-year earnings $21,033.
Ten-year median earnings of $21,033 are on the low side, which raises the bar for what this degree needs to cost. Completion is a strength: 86% of students finish within six years. Graduates leave owing a median of $5,000 — modest by four-year standards.
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)
- ✓ Graduation rate 86% — well above the national average
- ✓ 3-year loan default 0.0% — below national benchmark
Academics
A 86% six-year graduation rate is the strongest academic signal on this page. 20% first-year retention is low enough to be the defining risk of enrolling here. The student-faculty ratio is 16:1 — typical, which in practice means large lectures early and smaller classes in the major. As a for-profit four-year institution, outcomes here deserve a harder look than the sector average suggests: for-profit institutions vary enormously, and the sector's aggregate numbers hide both strong and very weak performers. The undergraduate body is just 177, which shapes everything from class size to how often a required course is offered.
Financial Aid
IPEDS Student Financial Aid · 2023-24 · grant and loan rates against 177 degree- or certificate-seeking undergraduates
Average net price after grant aid is $15,543 a year — mid-range for a four-year institution. Income makes less difference than usual: $15,543 at $0–30k, $15,543 at $48–75k. 92% of students get grant aid averaging $3,456, so the published price is a poor guide to what most pay. Only 12% take federal loans. Private borrowing is not captured in this figure.
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 · 44 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 | $15,543 |
| $30–48k | $15,544 |
| $48–75k | $15,543 |
| $75–110k | — |
| $110k+ | — |
IPEDS Student Financial Aid · 2023-24
Federal student loans went to 22 of these 177 students, totalling $13,651 — an average of $621 each.
IPEDS Student Financial Aid · 2023-24
Local housing costs
Typical rents near campus (San Juan Municipio) — budget these against any cost-of-attendance housing estimate.
HUD Fair Market Rents (40th-percentile gross rent incl. utilities) · FY2026