Analysis
Caribbean University-Bayamon's special education program carries an estimated $27,000 in debt—five times higher than the $5,250 typical of other Puerto Rico programs in this field. This debt load becomes particularly significant when you consider the local teaching market: the only comparable PR program with reported data shows graduates earning $9,503 in their first year, not the $44,139 national figure used here as a stand-in. That national benchmark reflects mainland teaching salaries that simply don't translate to Puerto Rico's economy, where educators face fundamentally different compensation structures.
The 0.61 debt-to-earnings ratio looks manageable on paper, but it assumes mainland earnings that graduates teaching in Puerto Rico are unlikely to see. If actual outcomes mirror other island programs, graduates could face debt burdens six times their annual income. With three-quarters of students receiving Pell grants, this community is already navigating financial constraints—taking on debt priced for national markets while entering a local one presents real risk. Before committing, your family needs a frank conversation with the school about where their recent graduates actually work and what they're earning, because the gap between these estimated figures and Puerto Rico's teaching reality could reshape this investment entirely.
Where Caribbean University-Bayamon Stands
Earnings vs. debt across all special education and teaching bachelors's programs nationally
Compare to Similar Programs in Puerto Rico
Special Education and Teaching bachelors's programs at peer institutions in Puerto Rico (21 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $5,966 | $44,139* | — | $27,000* | — | |
| $6,284 | $9,503* | $20,682 | $5,250* | 0.55 | |
| National Median | — | $44,139* | — | $26,717* | 0.61 |
Career Paths
Occupations commonly associated with special education and teaching graduates
Education Teachers, Postsecondary
Special Education Teachers, Preschool
Special Education Teachers, Middle School
Special Education Teachers, Secondary School
Special Education Teachers, All Other
Adapted Physical Education Specialists
Interpreters and Translators
Special Education Teachers, Kindergarten
Special Education Teachers, Elementary School
Teaching Assistants, Special Education
About This Data
Source: U.S. Department of Education College Scorecard (October 2025 release)
Population: Graduates who received federal financial aid (Title IV grants or loans). At Caribbean University-Bayamon, approximately 75% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.
Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.
Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the national median of 170 similar programs. Actual outcomes may vary.