Head-to-Head Analysis
This analysis was generated using Azimuth's proprietary framework. Our data model transforms federal education data into actionable insights. Learn about founder Daniel Rogers, explore our research methodology, or see how we think about this data.
Updated January 2026 • Bayamon, PR & Ponce, PR
When students choose between University of Puerto Rico at Ponce and University of Puerto Rico-Bayamón, they're comparing two campuses within the same public university system. Both schools serve predominantly low-income Puerto Rican students at highly affordable prices.
But beneath the surface similarities lies a crucial difference: completion rates that could determine whether students graduate with a degree or just debt. The data reveals that where you study within the UPR system significantly impacts your likelihood of finishing.
Median Student Debt at Graduation
$5,500
federal loans
$5,500
federal loans
Median Parent PLUS Loans
—
borrowed by parents
—
borrowed by parents
Both schools are predominantly business-focused, but with different concentrations. UPR-Ponce has 27% of graduates earning degrees in business fields, with its largest programs including Biological and Biomedical Sciences (78 graduates) and Psychology (57 graduates).
UPR-Bayamón shows heavier business concentration at 40%, with Biological and Biomedical Sciences (70 graduates) and Special Education (64 graduates) among top programs. Both institutions emphasize education and health sciences, preparing students for Puerto Rico's key economic sectors including healthcare, education, and government.
For students prioritizing graduation likelihood, UPR-Ponce delivers a 51% completion rate at $2,202/year less than Bayamón's 31% rate. Bayamón offers modestly higher earnings for graduates and stronger business program concentration — making it the better choice for highly motivated students confident in their ability to complete despite institutional challenges.
The data points to Ponce as the stronger overall value when factoring in completion risk, but individual academic preparation matters enormously. If you're academically strong and focused on business careers, Bayamón's higher earnings potential could outweigh the completion risk.
For most students, Ponce's combination of lower cost and higher graduation rates offers the safer path to degree completion.
Key Takeaway
The numbers are close, but the best school depends on your goals, values, and career aspirations.
This comparison was generated using Azimuth's proprietary ROI framework, developed by founder Daniel Rogers. Our methodology transforms federal education data into actionable insights for families.
This comparison uses Azimuth's proprietary ROI model based on U.S. Dept. of Education data. View Full Methodology.
This content is for educational and informational purposes only and should not be construed as financial, investment, or professional advice. Consult a qualified advisor before making any financial decisions.
College Azimuth is a private research initiative and is not affiliated with the U.S. Department of Education or Federal Student Aid.
