{
  "resumen": {
    "total": 335152,
    "en_linkedin": 53383,
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      "region": "Metropolitana",
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      "utm_total": 14228843.0,
      "macrozona": "Metropolitana"
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    {
      "region": "Valparaíso",
      "n": 43578,
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      "macrozona": "Centro"
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    {
      "region": "(sin región)",
      "n": 37876,
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      "macrozona": "(sin macrozona)"
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    {
      "region": "Biobío",
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      "utm_total": 5490021.0,
      "macrozona": "Centro sur"
    },
    {
      "region": "La Araucanía",
      "n": 20688,
      "utm_total": 3411918.0,
      "macrozona": "Sur"
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    {
      "region": "Coquimbo",
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      "region": "Maule",
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      "macrozona": "Centro sur"
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    {
      "region": "Los Lagos",
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      "region": "Ñuble",
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      "macrozona": "Centro sur"
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      "region": "Los Ríos",
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      "region": "Arica Y Parinacota",
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      "region": "Atacama",
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      "macrozona": "Norte"
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    {
      "region": "Tarapacá",
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    {
      "region": "Magallanes",
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      "macrozona": "Austral"
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    {
      "macrozona": "Centro sur",
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      "utm_total": 11523868.0
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    {
      "macrozona": "Centro",
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    {
      "macrozona": "Sur",
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    {
      "macrozona": "(sin macrozona)",
      "n": 37876,
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    {
      "macrozona": "Norte",
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      "macrozona": "Austral",
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      "comuna": "Talca",
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      "comuna": "Copiapo",
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      "comuna": "Chillan",
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      "comuna": "Puerto Montt",
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      "comuna": "Providencia",
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      "comuna": "San Pedro De La Paz",
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      "comuna": "Hualpen",
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      "comuna": "Peñalolen",
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      "comuna": "Conchali",
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      "comuna": "Puerto Varas",
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      "n": 978
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      "comuna": "La Granja",
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      "comuna": "Renca",
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      "comuna": "Lampa",
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      "comuna": "Rengo",
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      "comuna": "San Carlos",
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    {
      "comuna": "Cerrillos",
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      "n": 757
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    {
      "comuna": "Pucon",
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      "n": 725
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    {
      "comuna": "Lo Prado",
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      "n": 720
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    {
      "comuna": "Talagante",
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    {
      "comuna": "Angol",
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      "comuna": "Padre Hurtado",
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      "n": 600
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      "comuna": "Nueva Imperial",
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      "comuna": "Paine",
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      "comuna": "La Pintana",
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      "comuna": "Lo Espejo",
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      "region": "Ñuble",
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    {
      "comuna": "Curanilahue",
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      "n": 548
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    {
      "comuna": "San Javier",
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      "comuna": "Rio Bueno",
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      "region": "Los Ríos",
      "n": 512
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      "comuna": "Caldera",
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      "region": "Maule",
      "n": 484
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      "n": 480
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    {
      "comuna": "Pitrufquen",
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      "n": 475
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    {
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      "region": "Valparaíso",
      "n": 472
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    {
      "comuna": "Vitacura",
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    {
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      "comuna": "Vilcun",
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      "region": "La Araucanía",
      "n": 467
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    {
      "comuna": "Quintero",
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      "region": "Valparaíso",
      "n": 465
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    {
      "comuna": "Cauquenes",
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      "region": "Maule",
      "n": 464
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    {
      "comuna": "Panguipulli",
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      "region": "Los Ríos",
      "n": 461
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    {
      "comuna": "Cañete",
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    {
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    {
      "year": 2024,
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    {
      "year": 2024,
      "universidad_canon": "U. de La Frontera",
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    {
      "year": 2024,
      "universidad_canon": "U. de Atacama",
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      "year": 2024,
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    {
      "year": 2025,
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    {
      "year": 2025,
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      "year": 2015,
      "universidad_canon": "U. de Atacama",
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    {
      "year": 2015,
      "universidad_canon": "U. del Bío-Bío",
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    {
      "year": 2015,
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      "year": 2016,
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    {
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      "year": 2022,
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      "year": 2025,
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      "year": 2016,
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      "year": 2016,
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    {
      "year": 2016,
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      "year": 2016,
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      "year": 2026,
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      "year": 2026,
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      "year": 2026,
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    {
      "year": 2026,
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      "year": 2026,
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    {
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    {
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    {
      "year": 2024,
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      "universidad_canon": "U. Católica de Temuco",
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    {
      "year": 2025,
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    {
      "year": 2022,
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    {
      "year": 2022,
      "universidad_canon": "PUC de Chile",
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    {
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    {
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    {
      "year": 2026,
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      "year": 2026,
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    {
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    {
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    {
      "year": 2022,
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      "year": 2022,
      "universidad_canon": "U. de La Frontera",
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      "utm_total": 2184969.0
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    {
      "year": 2022,
      "universidad_canon": "U. de Atacama",
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      "year": 2022,
      "universidad_canon": "UTEM",
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    {
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      "universidad_canon": "PUC de Chile",
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    {
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    {
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    {
      "year": 2023,
      "universidad_canon": "U. de O'Higgins",
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    {
      "year": 2024,
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    },
    {
      "year": 2021,
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    {
      "year": 2026,
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    {
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    {
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    {
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    {
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    {
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    {
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    {
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    {
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      "region": "Antofagasta",
      "sexo": "Masculino",
      "edad_bucket": "56-65",
      "decil_avaluo": 6.0,
      "vehiculos": 2.0,
      "propiedades": 0.0,
      "patrimonio_clp": 512203.0,
      "seniority": null,
      "industry": null,
      "tier": null,
      "en_linkedin": false
    },
    {
      "rank": 92,
      "monto_utm": 1546.6,
      "monto_clp": 108090537.0,
      "universidad": "U.DE CONCEPCION",
      "n_universidades": 1,
      "comuna": "Concepcion",
      "region": "Biobío",
      "sexo": "Masculino",
      "edad_bucket": "56-65",
      "decil_avaluo": 5.0,
      "vehiculos": 1.0,
      "propiedades": 0.0,
      "patrimonio_clp": 2850046.0,
      "seniority": null,
      "industry": null,
      "tier": null,
      "en_linkedin": false
    },
    {
      "rank": 93,
      "monto_utm": 1543.9,
      "monto_clp": 107900558.0,
      "universidad": "U.FEDERICO SANTA MARIA",
      "n_universidades": 1,
      "comuna": null,
      "region": null,
      "sexo": null,
      "edad_bucket": "(s/d)",
      "decil_avaluo": null,
      "vehiculos": 0.0,
      "propiedades": 0.0,
      "patrimonio_clp": 0.0,
      "seniority": null,
      "industry": null,
      "tier": null,
      "en_linkedin": false
    },
    {
      "rank": 94,
      "monto_utm": 1542.4,
      "monto_clp": 107793299.0,
      "universidad": "U.DE LA FRONTERA",
      "n_universidades": 1,
      "comuna": "Temuco",
      "region": "La Araucanía",
      "sexo": "Femenino",
      "edad_bucket": "46-55",
      "decil_avaluo": 6.0,
      "vehiculos": 0.0,
      "propiedades": 3.0,
      "patrimonio_clp": 100027933.0,
      "seniority": "professional",
      "industry": "hospital & health care",
      "tier": "unknown",
      "en_linkedin": true
    },
    {
      "rank": 95,
      "monto_utm": 1541.9,
      "monto_clp": 107760864.0,
      "universidad": "U.DE CONCEPCION",
      "n_universidades": 1,
      "comuna": "Chillan",
      "region": "Ñuble",
      "sexo": "Masculino",
      "edad_bucket": "46-55",
      "decil_avaluo": 6.0,
      "vehiculos": 0.0,
      "propiedades": 1.0,
      "patrimonio_clp": 5533493.0,
      "seniority": null,
      "industry": null,
      "tier": null,
      "en_linkedin": false
    },
    {
      "rank": 96,
      "monto_utm": 1541.7,
      "monto_clp": 107746606.0,
      "universidad": "U.DE SANTIAGO",
      "n_universidades": 2,
      "comuna": null,
      "region": null,
      "sexo": null,
      "edad_bucket": "(s/d)",
      "decil_avaluo": null,
      "vehiculos": 0.0,
      "propiedades": 0.0,
      "patrimonio_clp": 0.0,
      "seniority": null,
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      "en_linkedin": false
    },
    {
      "rank": 97,
      "monto_utm": 1540.4,
      "monto_clp": 107660175.0,
      "universidad": "U.DE VALPARAISO",
      "n_universidades": 1,
      "comuna": "Frutillar",
      "region": "Los Lagos",
      "sexo": "Masculino",
      "edad_bucket": "56-65",
      "decil_avaluo": 3.0,
      "vehiculos": 1.0,
      "propiedades": 0.0,
      "patrimonio_clp": 19683794.0,
      "seniority": null,
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      "en_linkedin": false
    },
    {
      "rank": 98,
      "monto_utm": 1539.9,
      "monto_clp": 107619849.0,
      "universidad": "PONTIFICIA U. CATOLICA DE VALPARAISO",
      "n_universidades": 2,
      "comuna": "Viña Del Mar",
      "region": "Valparaíso",
      "sexo": "Masculino",
      "edad_bucket": "56-65",
      "decil_avaluo": 10.0,
      "vehiculos": 0.0,
      "propiedades": 0.0,
      "patrimonio_clp": 0.0,
      "seniority": "director",
      "industry": "internet",
      "tier": "unknown",
      "en_linkedin": true
    },
    {
      "rank": 99,
      "monto_utm": 1535.4,
      "monto_clp": 107308626.0,
      "universidad": "U.DE LA SERENA",
      "n_universidades": 1,
      "comuna": "La Serena",
      "region": "Coquimbo",
      "sexo": "Femenino",
      "edad_bucket": "46-55",
      "decil_avaluo": 8.0,
      "vehiculos": 1.0,
      "propiedades": 0.0,
      "patrimonio_clp": 285358.0,
      "seniority": "professional",
      "industry": "marketing and advertising",
      "tier": "unknown",
      "en_linkedin": true
    },
    {
      "rank": 100,
      "monto_utm": 1535.3,
      "monto_clp": 107297367.0,
      "universidad": "U.DE CONCEPCION",
      "n_universidades": 1,
      "comuna": "Yumbel",
      "region": "Biobío",
      "sexo": "Femenino",
      "edad_bucket": "46-55",
      "decil_avaluo": 1.0,
      "vehiculos": 0.0,
      "propiedades": 1.0,
      "patrimonio_clp": 2293172.0,
      "seniority": null,
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      "tier": null,
      "en_linkedin": false
    }
  ],
  "pagadores_comunas": [
    {
      "comuna": "Valdivia",
      "n": 927
    },
    {
      "comuna": "Temuco",
      "n": 659
    },
    {
      "comuna": "Ñuñoa",
      "n": 621
    },
    {
      "comuna": "Santiago",
      "n": 583
    },
    {
      "comuna": "Concepcion",
      "n": 534
    },
    {
      "comuna": "Valparaiso",
      "n": 530
    },
    {
      "comuna": "Puerto Montt",
      "n": 517
    },
    {
      "comuna": "Viña Del Mar",
      "n": 517
    },
    {
      "comuna": "Antofagasta",
      "n": 469
    },
    {
      "comuna": "Providencia",
      "n": 444
    },
    {
      "comuna": "Talca",
      "n": 425
    },
    {
      "comuna": "La Florida",
      "n": 390
    },
    {
      "comuna": "Las Condes",
      "n": 388
    },
    {
      "comuna": "Maipu",
      "n": 384
    },
    {
      "comuna": "Osorno",
      "n": 366
    }
  ],
  "interesante": [
    {
      "titulo": "Ejecutivos morosos",
      "kpi": "3.628",
      "sub": "1.787 están en decil 8-10 de avalúo (patrimonio alto)",
      "desc": "C-level y directores identificados en LinkedIn Chile que aparecen en la nómina FSCU 2026. Representan el 1.1% del total de deudores y el 4,2% del subconjunto enriquecido con LinkedIn. Muchos ocupan cargos de decisión en grandes empresas pero mantienen morosidad con el Estado.",
      "eli5": "Imagínate al gerente de una empresa grande — alguien que toma decisiones importantes, que firma contratos millonarios, que maneja equipos de 100 personas. Esa persona estudió en la universidad con un préstamo del Estado y todavía no lo ha pagado. Hay 3.628 personas así. Es como si el dueño de la panadería te debiera todavía los pancitos de hace 15 años.",
      "tipo": "executives"
    },
    {
      "titulo": "Académicos que deben al Fondo",
      "kpi": "6.664",
      "sub": "962 trabajan en universidades — muchos adeudan a su propia institución",
      "desc": "Profesores universitarios que son deudores morosos del FSCU. La ironía es que varios trabajan HOY en las mismas universidades que les cobran: 36 académicos adeudan a la U. de Concepción y trabajan en ella, 28 a la PUC, 27 a la USACH, 22 a la U. de Chile, 21 a la UTFSM. Educación primaria y secundaria concentra el mayor volumen (6.676 deudores) seguida de Educación superior (3.034).",
      "eli5": "Hay 6.664 profesores (de colegio y de universidad) que deben plata al Estado por su propio crédito universitario. Y lo más loco: MUCHOS de estos profes siguen trabajando en la MISMA universidad que les prestó la plata. Es como si trabajaras en una panadería, tuvieras una cuenta en esa panadería desde hace años, y cada día llegaras a trabajar pasando por el mostrador donde dice tu nombre con la deuda sin pagar.",
      "tipo": "academic"
    },
    {
      "titulo": "La mayoría son crónicos",
      "kpi": "285.378",
      "sub": "85.1% del 2026 estuvo moroso los 5 años",
      "desc": "De los 335.152 deudores 2026. 285.378 (85.1%) figuraron sin interrupción en las 5 nóminas desde 2022. El 79.1% del 2026 ya estaba en 2022 (265.072 personas). Sólo 12.427 (3.7%) son ingresos nuevos sin antecedentes. Esto refuta la hipótesis de morosidad coyuntural: es un fenómeno estructural.",
      "eli5": "De cada 10 personas que deben al Estado hoy, 8 llevan 5 años completos sin pagar NADA. No es que un día se atrasaron: son crónicos. Es como ese amigo que te dice 'la próxima semana te pago' hace 5 años. No es que tenga mala memoria — es que nunca va a pagar. El sistema está lleno de estos 'amigos eternos'.",
      "tipo": "chronic"
    },
    {
      "titulo": "Ricos que no pagan",
      "kpi": "118.579",
      "sub": "35.4% de los deudores están en el decil 8-10 de avalúo fiscal",
      "desc": "118.579 morosos del FSCU tienen avalúo fiscal correspondiente al decil 8. 9 o 10 según el SII — el 30% más rico en patrimonio declarado. Un 38% están en el decil superior 10 (máxima riqueza por avalúo). El crédito solidario fue diseñado para egresados que no podían pagar; su impago no es excepción entre quienes hoy tienen patrimonio.",
      "eli5": "Hay 118.579 personas que SÍ PODRÍAN pagar — tienen casas caras, autos, propiedades. El Servicio de Impuestos los ubica en el 30% MÁS RICO de Chile. Pero igual no pagan la deuda universitaria. Es como si el vecino que tiene la casa más linda de la cuadra no pagara el almacén del barrio. No es que no pueda: es que no quiere, o nadie lo obliga.",
      "tipo": "wealth"
    },
    {
      "titulo": "Empleados de grandes empresas",
      "kpi": "17.871",
      "sub": "27% de los deudores con LinkedIn trabajan en empresas large/enterprise",
      "desc": "Entre los 53.383 deudores identificados en LinkedIn, 17.871 trabajan en empresas grandes. Las instituciones con más empleados morosos son: Codelco (257), Arauco (206), Banco Santander (198), PUC Chile (194), BCI (189), U. de Concepción (178), Entel (164), INACAP (159), DuocUC (152), U. de Santiago (147), Banco de Chile (145), Cencosud (133), BancoEstado (131), UTFSM (132), LATAM (124). Bancos como Santander, BCI y BancoEstado — que cobran créditos — tienen cientos de empleados que no pagan los suyos propios.",
      "eli5": "17.871 deudores trabajan en empresas como Codelco (la del cobre), Santander (el banco), LATAM (la aerolínea). Casi 200 trabajan en el Banco Santander. Piénsalo: el banco que todos los días llama por teléfono a los morosos tiene casi 200 empleados que ellos mismos son morosos con el Estado. Es como que el profe de matemáticas no supiera sumar.",
      "tipo": "employer"
    },
    {
      "titulo": "Cartera crece 4,5× más que la UTM",
      "kpi": "+1.417 mil M",
      "sub": "+54.4% en UTM, +58.5% en CLP frente a +12% UTM oficial",
      "desc": "La cartera FSCU pasó de 37,3M UTM en 2022 a 57,5M UTM en 2026: +54,4%. En pesos, eso es +$1.417 mil millones CLP en 4 años. Durante ese mismo período, la UTM (que refleja inflación aproximada) creció sólo ~12%. La diferencia son intereses acumulados y nuevos ingresos netos: la morosidad real crece 4,5 veces más rápido que la inflación. Los mecanismos de recuperación (retención de impuestos, cobranza ejecutiva) no alcanzan a contener la expansión.",
      "eli5": "La inflación de Chile subió 12% en 4 años. La deuda universitaria subió 54%. Eso significa que la deuda está creciendo 4 veces y media más rápido que los precios normales. En solo 4 años, la deuda total aumentó en $1,4 billones de pesos — eso es casi 3 años de presupuesto del Ministerio de Deporte. No es inflación: es deuda real creciendo sola.",
      "tipo": "interest"
    },
    {
      "titulo": "Entran más de los que salen",
      "kpi": "+93.024",
      "sub": "Saldo neto nuevos ingresos vs. salidas en 4 años (2022→2026)",
      "desc": "En cada transición anual, los nuevos deudores superan a los que pagan y salen: 2022→2023 ingresaron 30.903 y salieron 11.146 (saldo +19.757). 2023→2024: +10.596. 2024→2025: +13.937. 2025→2026: +2.650. Total acumulado: +93.024 nuevos deudores netos. En paralelo, entre 260.000 y 302.000 deudores por año sólo acumulan intereses sin pagar. La cartera es una bola de nieve sin mecanismo efectivo de cobro.",
      "eli5": "Imagina una fila en el banco donde cada día entran 3 personas y sólo sale 1. La fila crece. El Fondo Solidario funciona así: cada año ingresan más deudores nuevos de los que logran salir pagando. En 4 años, neto, se sumaron 93.024 deudores. Y la mayoría de los que ya estaban NO se mueven: siguen ahí acumulando intereses como quien deja hervir la olla.",
      "tipo": "flow"
    },
    {
      "titulo": "Uno de cada cinco enfrenta cobranza judicial",
      "kpi": "72.014",
      "sub": "21.5% del total fue demandado por cobranza de deuda",
      "desc": "El cruce con PJUD (22M registros de litigantes del Poder Judicial) encontró que 72.014 deudores FSCU (21.5%) figuran como demandados directos (DDO.) en causas civiles de cobranza de deuda. El filtro excluye divorcios. daños. arrendamiento y otras causas civiles no vinculadas a morosidad; incluye Juicio Ejecutivo Obligación de Dar (mayoritario). Ejecutivo Mínima Cuantía. Monitorio. Ley de Bancos y Gestión Preparatoria de Cobranza. Estas personas ya tuvieron al menos una acción judicial de cobro en su contra — señal de morosidad estructural más allá del FSCU.",
      "eli5": "Cruzamos los RUT de los deudores con la base del Poder Judicial de Chile. Resultado: 1 de cada 5 morosos del Fondo Solidario ya fue llevado a juicio por NO pagar alguna deuda. Cualquier deuda. Son 72.014 personas. O sea, no es sólo el Estado el que no cobra: el banco, la tarjeta Falabella, la caja de compensación — todos los demandaron y siguen sin pagar.",
      "tipo": "judicial"
    },
    {
      "titulo": "Perfil demográfico",
      "kpi": "54% / 46%",
      "sub": "Masculino / Femenino · mediana de edad 35-44",
      "desc": "Pese a que las mujeres representan ~52% de la matrícula universitaria chilena, entre los morosos FSCU los hombres son mayoría (54,9%). La mediana está en el tramo 35-44 años, típico de egresados a 10-15 años de haberse titulado. El NSE dominante es 'Medio Alto' seguido de 'Medio' — no son las capas más pobres sino la clase media profesional.",
      "eli5": "¿Quién es el deudor típico? Un hombre o mujer de 35-44 años, clase media alta, que egresó hace 10-15 años. No es el pobre que no llega a fin de mes — es el profesional que compra auto, que tiene Netflix, que va a Airbnb en verano. La morosidad no se concentra en los más vulnerables: se concentra en la clase media profesional.",
      "tipo": "demographics"
    },
    {
      "titulo": "1,38% del PIB chileno",
      "kpi": "US$ 4.54B",
      "sub": "Equivalente a $4.02 billones CLP",
      "desc": "La cartera vencida FSCU asciende a US$ 4.54 mil millones (≈ $4.02 billones CLP). Eso equivale al 1,38% del PIB nominal chileno 2024 (≈ US$ 330 mil millones). Para comparación: el costo estimado de la gratuidad universitaria anual en Chile ronda los USD 1.500M. La cartera morosa FSCU equivale a 3 años de gratuidad universitaria. O, dicho de otra manera, si se recuperara íntegramente financiaría 3 años del programa insignia de acceso universitario.",
      "eli5": "El dinero que deben es MUCHO. Si juntaras en una pila todo lo que se debe al Fondo Solidario, sería como el 1,4% de toda la riqueza que produce Chile en un año entero. ¿Para qué alcanzaría? Para financiar 3 años completos de la GRATUIDAD universitaria. Sí: la plata que 335 mil personas no pagan alcanza para que muchos nuevos estudien gratis durante 3 años.",
      "tipo": "economy"
    },
    {
      "titulo": "Los profes encabezan el ranking",
      "kpi": "9.710",
      "sub": "Deudores en industria 'Educación' (primaria + secundaria + superior)",
      "desc": "Primary/secondary education con 6.676 deudores y Higher education con 3.034 suman 9.710 personas que trabajan en educación y a la vez son morosos del crédito que ellos mismos o sus pares están pagando. La siguiente industria (Construction, 3.811) está muy por debajo. Los que educan son los que más deben.",
      "eli5": "Los profes de colegio y los profes universitarios son, juntos, la profesión con MÁS morosos del Fondo Solidario. Casi 10 mil personas enseñan cada día en salas de clases, y al mismo tiempo deben plata por su propia carrera. Es como el dentista al que le duelen las muelas, pero no va al dentista. Hay ironía ahí.",
      "tipo": "education"
    },
    {
      "titulo": "La universidad más demandada",
      "kpi": "29.2%",
      "sub": "de los deudores de U. de Chile han sido demandados civil",
      "desc": "De las 26 universidades acreedoras. U. de Chile tiene la mayor proporción de deudores que han sido demandados civilmente (DDO.): 29.2% de sus 16.971 deudores (4.948 personas) han enfrentado al menos una causa civil en su contra. Puede reflejar una política de cobranza más agresiva o una composición de cartera distinta.",
      "eli5": "Hay una universidad donde 3 de cada 10 de sus ex-alumnos deudores ya fueron llevados a los tribunales. Eso es MUY alto comparado con el promedio nacional de 1 de cada 5. Puede ser porque es más dura cobrando, o porque a sus deudores les pasan otras cosas en la vida. Es la 'universidad cobradora' del grupo.",
      "tipo": "judicial-uni"
    },
    {
      "titulo": "Deben a más de una universidad",
      "kpi": "6.969",
      "sub": "2.1% adeudan a 2 o más instituciones del CRUCH",
      "desc": "6.969 deudores (2.1%) aparecen en la nómina 2026 con deudas activas en 2 o más universidades. El crédito solidario en la ley 19.287 permitía tomar créditos en distintas instituciones durante la trayectoria académica. Estas personas son deudores 'acumulativos': egresaron de una pero dejaron deuda en ambas.",
      "eli5": "Casi 7.000 personas estudiaron en DOS universidades distintas (primero en una, se cambiaron, y terminaron en otra), y deben plata en AMBAS. Es como tomar clases de piano en una escuela, después guitarra en otra, y no pagar ninguna.",
      "tipo": "multi"
    },
    {
      "titulo": "Ultra-ricos morosos",
      "kpi": "251",
      "sub": "Decil 10 de avalúo + deuda >1.000 UTM (≈$70M CLP)",
      "desc": "251 deudores están en el decil 10 de avalúo fiscal (máxima riqueza declarada SII) Y tienen una deuda individual superior a 1.000 UTM — aproximadamente $70 millones CLP o más. Son los perfiles de mayor contradicción: patrimonio suficiente para pagar la deuda varias veces, pero sin saldar. Alguna combinación de créditos personales con otras instituciones que les retuvieron el refund y la autosuficiencia para ignorar el FSCU.",
      "eli5": "251 personas están entre los MÁS ricos de Chile (decil 10, el 10% más rico) Y a la vez deben más de $70 millones cada una al Fondo Solidario. Son los 'peces gordos' de la morosidad. Con su patrimonio podrían pagar la deuda 100 veces y no se sentiría. Pero no lo hacen. Es como un multimillonario que se olvida pagar la cuenta del taxi: para él no significa nada, pero el taxista sí lo siente.",
      "tipo": "ultra"
    },
    {
      "titulo": "La U de Chile es la que más demanda",
      "kpi": "2.129",
      "sub": "ex-alumnos demandados judicialmente por cobranza (12% de sus deudores)",
      "desc": "De las 26 universidades del CRUCH que administran el Fondo Solidario, sólo unas pocas ejercen cobranza judicial directa. La Universidad de Chile lidera con 2.129 demandas contra sus propios ex-alumnos morosos — 12% de sus 17.327 deudores. Le siguen U. de Valparaíso (436), U. del Bío Bío (329), UTEM (306), U. Arturo Prat (271) y U. de La Serena (222). Las demás universidades del CRUCH prefieren el mecanismo indirecto: retención de la devolución de impuestos vía Tesorería General de la República, que demanda a 10.256 deudores FSCU por cuenta de todas.",
      "eli5": "De las 26 universidades que prestan plata, SÓLO unas 8 llevan a juicio a sus ex-alumnos que no pagan. La Universidad de Chile es la más dura: llevó a 2.129 personas a tribunales. Las otras 18 universidades? NO demandan. Esperan que el Estado les descuente la deuda de la devolución de impuestos cuando llegue. Es la diferencia entre llamar por teléfono a cobrar vs. esperar que alguien te traiga la plata.",
      "tipo": "judicial-uni"
    },
    {
      "titulo": "Los bancos los persiguen más que el Estado",
      "kpi": "45.310",
      "sub": "deudores FSCU demandados por BancoEstado + privados",
      "desc": "Entre los 72.014 deudores FSCU con demandas de cobranza, los cobradores privados los persiguen más que el propio Estado: BancoEstado (8.678), CMR Falabella (8.582), Itaú (7.467), BCI (7.328), Scotiabank (7.220) y Banco de Chile (6.335) acumulan 45.310 demandas — 4 veces más que la Tesorería General (10.256). El deudor FSCU típico no tiene sólo una deuda con el Estado; tiene múltiples obligaciones vencidas con el sistema financiero.",
      "eli5": "Cuando alguien no paga al Fondo Solidario, ¿quién lo persigue más duro? Los BANCOS. Mucho más que el propio Estado. BancoEstado, Itaú, BCI, Scotiabank, Banco de Chile — todos juntos hicieron 45.310 demandas contra estos deudores. La Tesorería del Estado: sólo 10.256. Los bancos son 4 veces más agresivos cobrando que el Estado mismo. Como un hermano mayor que te pesca al doblar la esquina.",
      "tipo": "employer"
    },
    {
      "titulo": "Los crónicos que sólo acumulan intereses",
      "kpi": "247.300",
      "sub": "73,8% del 2026 lleva 5 años seguidos y su deuda sólo crece",
      "desc": "247.300 deudores aparecen en las 5 nóminas consecutivas (2022 a 2026) y su saldo en UTM aumentó más de 5% entre ese rango. La mediana de deuda de este grupo pasó de 81 UTM en 2022 a 152 UTM en 2026: casi se duplicó en 4 años. Son el núcleo estructural del problema: egresados que no pagaron, la deuda siguió sumando intereses, y los mecanismos de recuperación del FSCU no alcanzan a frenarla. Representan el 73,8% de todos los deudores actuales.",
      "eli5": "3 de cada 4 personas que deben hoy al Fondo Solidario llevan 5 AÑOS COMPLETOS sin pagar y su deuda SUBE cada año. No es que no bajen: es que crecen. La deuda del 'crónico típico' pasó de 81 UTM ($5,6 millones CLP) en 2022 a 152 UTM ($10,6 millones CLP) en 2026. Casi el doble. Los intereses se comen todo. Es como dejar una olla hirviendo: al final ya no hay sopa, solo vapor.",
      "tipo": "chronic"
    },
    {
      "titulo": "Dataset 99,94% validado",
      "kpi": "413.564",
      "sub": "RUTs únicos validados contra Audiencias · 99.93% consistente",
      "desc": "Los 413.564 RUTs únicos presentes en las 9 nóminas CRUCH entre 2015 y 2026 fueron cruzados contra Audiencias Unholster (persona_natural_v2 con 102 millones de registros de personas naturales chilenas). 413.294 (99.93%) matchearon al menos parcialmente con la identidad registrada en el Servicio Electoral. Sólo 270 RUTs (0.065%) muestran discrepancias significativas entre el nombre reportado en la nómina y el nombre oficial — consistente con errores de transcripción manual al confeccionar las nóminas originales.",
      "eli5": "Tomamos los 413 mil RUTs de TODAS las nóminas (2015 a 2026) y los comparamos uno por uno contra la base del Servicio Electoral donde están inscritos los 102 millones de chilenos vivos (sí, histórico). Los datos están casi perfectos: 99,94% matchea. Sólo 270 RUTs de 413 mil tienen algún error — menos de 1 cada 1.500. O sea, si esto fuera un tiro al blanco, 999 de cada 1.000 disparos entran exactos.",
      "tipo": "demographics"
    },
    {
      "titulo": "Ejecutivos con 9 años de morosidad",
      "kpi": "1.734",
      "sub": "C-Level y directores morosos presentes en las 9 nóminas 2015-2026",
      "desc": "1.734 personas en cargos de C-Level o director identificadas en LinkedIn Chile aparecen en las 9 nóminas del Fondo Solidario disponibles desde 2015 hasta 2026. No son deudores que se atrasaron puntualmente: son ejecutivos que han permanecido en la nómina pública de morosidad por más de una década sin regularizar. Del subconjunto total de deudores enriquecidos con LinkedIn (75.628). el 28.1% están en este nivel de cronicidad máxima.",
      "eli5": "Un 'C-Level' es el nivel más alto en una empresa: los CEO, CFO, gerentes generales, directores. Encontramos 1,734 de ellos que deben plata al Estado Y han estado en la lista negra del Fondo Solidario sin interrupción TODOS los años desde 2015. Once años seguidos sin pagar. Cada año el CRUCH los incluye en la publicación oficial, cada año los medios podrían consultarlos, y cada año siguen ahí.",
      "tipo": "executives"
    },
    {
      "titulo": "Los que sí pagan",
      "kpi": "31.983",
      "sub": "23.218 salieron + 8.765 bajan deuda",
      "desc": "Detrás de la nómina crónica hay una historia silenciosa: 31.983 personas que sí pagan. 23.218 deudores lograron salir completamente de la nómina (por pago total o condonación) en el período 2022-2026 — un 6.9% del universo total. Otros 8.765 siguen figurando pero su deuda baja año a año (crónicos pagando). En conjunto recuperaron aproximadamente 1.95M UTM — unos $136 mil millones CLP. No es suficiente para detener el crecimiento de la cartera. pero es una minoría que logra regularizarse.",
      "eli5": "En medio de la mala noticia general, hay gente que SÍ paga. Casi 32.000 personas — entre las que pagaron todo y salieron (23,218) y las que están bajando la deuda poco a poco (8,765). Juntos recuperaron unos $136 mil millones de pesos en 4 años. Son la historia positiva que nadie cuenta.",
      "tipo": "flow"
    },
    {
      "titulo": "La U. Austral recupera 3× más que el promedio",
      "kpi": "18.9%",
      "sub": "de sus deudores salieron de la nómina · 4.023.0 personas",
      "desc": "De las 26 universidades del CRUCH. la Universidad Austral de Chile es la que mejor recupera: 18.9% de sus deudores (4.023.0 personas) salieron de la nómina entre 2022 y 2026 — casi 4 veces el promedio nacional de 5.3%. Le siguen U. de Chile (8.5%). U. de Talca (8.4%) y U. de Magallanes (7.9%). La U. Austral tiene una tasa de recuperación destacada que merece un benchmark: ¿qué hacen distinto sus administradores? Podría ser una política de cobranza más activa. programas de regularización más efectivos o una composición de cartera particular.",
      "eli5": "Entre las 26 universidades que prestan plata, la Universidad Austral (en Valdivia) es la que mejor cobra. De cada 100 deudores que tiene, casi 19 pagan y salen. El promedio es 5. Es casi 4 veces mejor. ¿Qué hacen? No sabemos, pero sería bueno estudiarlo para copiarle a las demás.",
      "tipo": "judicial-uni"
    },
    {
      "titulo": "Mineros pagan más que los profesores",
      "kpi": "556",
      "sub": "Trabajadores de minería/metales lideran la lista de quienes pagan",
      "desc": "Entre los deudores que salieron de la nómina o están bajando su deuda, la industria con MÁS pagadores es minería y metales (556), seguida de educación primaria/secundaria (527), construcción (408) y educación superior (340). El contraste con la lista de morosos crónicos es directo: en cronicidad los profesores lideran, en recuperación los mineros. Los sueldos altos y estables del sector minero chileno (que supera los $2M CLP promedio) explican la diferencia: cuando hay ingresos, la retención de la Tesorería vía devolución de impuestos funciona; cuando no los hay, la deuda se consolida.",
      "eli5": "Los mineros — la gente que trabaja en Codelco, BHP, Antofagasta Minerals — son los que MÁS pagan sus deudas universitarias. Más que los profesores. ¿Por qué? Porque ganan más. Un minero gana $2 millones o más al mes, y cuando hay sueldo alto y formal, al Estado le es fácil descontarle la devolución de impuestos cada año. Los profes ganan menos y la deuda se les va acumulando.",
      "tipo": "employer"
    },
    {
      "titulo": "Codelco lidera con 192 crónicos",
      "kpi": "192",
      "sub": "Empleados de Codelco presentes 5+ años seguidos en la nómina FSCU",
      "desc": "La empresa con más empleados morosos crónicos (presentes en 5 o más nóminas seguidas) es Codelco con 192 personas, seguida por Banco Santander (154), Arauco (143), BCI (143), INACAP (137), U. de Chile (134), PUC (131), Entel (128), DuocUC (128) y U. de Concepción (110). Bancos como Santander, BCI, BancoEstado y Banco de Chile — que gestionan cobranza a miles de morosos externos — tienen cientos de sus propios empleados en la lista negra del Estado.",
      "eli5": "En CODELCO, la empresa más grande de Chile (la del cobre, estatal), trabajan 192 personas que llevan 5 años seguidos sin pagar su crédito universitario. Después están los bancos: Santander (154), BCI (143), Banco de Chile (105). Los bancos que todos los días llaman a cobrar a la gente tienen CIENTOS de empleados que son los morosos que otros cobradores persiguen.",
      "tipo": "employer"
    },
    {
      "titulo": "Sus bienes valen más que su deuda",
      "kpi": "$7,19 bln",
      "sub": "Patrimonio total declarado de los deudores (propiedades + vehículos)",
      "desc": "Sumando el avalúo fiscal de todas las propiedades y la tasación de todos los vehículos que el SII reconoce a los 335.152 deudores, el total llega a $7,19 billones CLP — casi el DOBLE de la cartera que deben al Fondo Solidario ($4,02 billones). Propiedades aportan $5,95 bln y vehículos $1,24 bln. En principio, el patrimonio agregado alcanzaría para saldar la deuda con amplio margen.",
      "eli5": "Si juntaras todas las casas, departamentos y autos de los deudores, valen casi el DOBLE de lo que deben. Plata tienen — bienes tienen. No es que les falte con qué pagar; es que no pagan. Es como si tu primo te debiera $100 pero tuviera un auto nuevo de $200 y no le pasara nada.",
      "tipo": "wealth"
    },
    {
      "titulo": "1.546 ejecutivos en barrios ABC1 de Santiago",
      "kpi": "1.546",
      "sub": "C-Level, directores y gerentes en Las Condes, Vitacura, Providencia, Lo Barnechea y Ñuñoa",
      "desc": "Las cinco comunas de mayor ingreso del Gran Santiago — Las Condes, Vitacura, Providencia, Lo Barnechea y Ñuñoa — concentran 1.546 deudores morosos con perfil de ejecutivo (C-Level, director o gerente) identificados en LinkedIn. Son los barrios con mayor precio por m² en Chile: el deudor típico vive ahí, maneja camioneta, y aparece en el registro público de morosidad del Fondo Solidario.",
      "eli5": "En los barrios más pitucos de Santiago — Las Condes, Vitacura, Providencia — viven casi 1.600 ejecutivos y gerentes que deben al Estado. Son los vecinos con las mejores casas y autos, los que van a colegios caros y vacacionan en Cachagua. Y al mismo tiempo no pagan el crédito de su propia carrera.",
      "tipo": "wealth"
    },
    {
      "titulo": "La deuda del crónico se duplicó en 4 años",
      "kpi": "+87,3%",
      "sub": "Mediana pasó de 81 UTM (2022) a 152 UTM (2026)",
      "desc": "Para los 247.300 deudores que aparecieron en las 5 nóminas sin interrupción (los 'crónicos acumulando'), la deuda mediana en UTM casi se duplicó entre 2022 y 2026: 81,2 → 98,7 → 117,4 → 133,9 → 152,1. Un crecimiento del 87,3% en 4 años, cuando la inflación oficial acumulada fue ~12% en el mismo período. La diferencia son intereses legales que se capitalizan sin pausa: cuando no pagas, la deuda crece sola a tasas que cuadruplican la inflación.",
      "eli5": "Si llevas 5 años sin pagar, tu deuda casi se dobló sola en ese tiempo. De $5,6 millones pasó a $10,6 millones — sin que hayas agregado NADA, sólo por intereses. Es como dejar la tarjeta de crédito impaga: al final no debes lo que compraste, debes 2 veces eso.",
      "tipo": "interest"
    },
    {
      "titulo": "El juicio ejecutivo es la cobranza estándar",
      "kpi": "71.437",
      "sub": "94% de los demandados por deuda tiene Juicio Ejecutivo Obligación de Dar",
      "desc": "De los 72.014 deudores FSCU demandados por cobranza de deuda, 71.437 (94,2%) enfrentan específicamente un Juicio Ejecutivo Obligación de Dar — el procedimiento civil estándar en Chile para exigir el pago de una deuda documentada. Las otras categorías (Monitorio, Ley de Bancos, Gestión Preparatoria) son residuales. Es una señal clara: la cobranza judicial en Chile está estandarizada y los deudores FSCU enfrentan el mismo camino que cualquier otro moroso financiero.",
      "eli5": "Cuando te demandan porque no pagaste una deuda en Chile, el juicio casi siempre se llama 'Ejecutivo Obligación de Dar'. Es el procedimiento oficial estándar. Entre los morosos del Fondo Solidario que fueron demandados, 9 de cada 10 enfrenta este tipo específico de juicio. Es el protocolo de cobranza por default.",
      "tipo": "judicial"
    },
    {
      "titulo": "El cohort 2022 virtualmente no se mueve",
      "kpi": "91,9%",
      "sub": "De los 288k deudores del 2022, 265k siguen en 2026",
      "desc": "Los 288.290 deudores que aparecían en la nómina 2022 son un grupo extraordinariamente estable: 4 años después, 265.072 (91,9%) siguen exactamente en el mismo lugar — en la nómina 2026. Sólo 23.218 personas (8,1%) lograron salir durante los últimos 4 años, ya sea por pago total o condonación. Este es el análisis longitudinal clásico de retención: en productos digitales se considera 'excelente' un 40% de retención a 4 años. En deudores morosos FSCU es 92%. El sistema no se vacía.",
      "eli5": "De todas las personas que debían plata al Fondo Solidario en 2022, prácticamente todos — 9 de cada 10 — siguen debiendo hoy. Sólo 1 de cada 12 logró salir en estos 4 años. En las apps y productos tecnológicos, si 9 de cada 10 usuarios siguen después de 4 años sería un éxito enorme. Acá es el fracaso: el problema casi no se mueve.",
      "tipo": "chronic"
    },
    {
      "titulo": "Construcción y minería, las otras industrias morosas",
      "kpi": "7.402",
      "sub": "Construcción (3.811) + Minería/Metales (3.591) deudores",
      "desc": "Tras educación (9.710 deudores entre primaria/secundaria/superior), las siguientes dos industrias con más deudores FSCU identificados en LinkedIn son construcción (3.811) y minería/metales (3.591), sumando 7.402 personas. Son los sectores históricamente más fuertes en empleo formal masculino en Chile. El perfil coincide con el demográfico: hombres (54,9% del total), profesionales de ingenierías y especialidades técnicas, clase media-alta.",
      "eli5": "Después de los profes, las profesiones donde más hay morosos son construcción (3.811) y minería (3.591). Tiene sentido: son las carreras típicas donde estudian con crédito — ingenierías, geología, construcción civil. Después trabajan en obras o mineras, ganan bien, pero la deuda estudiantil queda por ahí sin pagar.",
      "tipo": "education"
    },
    {
      "titulo": "64.044 deudores tienen auto Y casa",
      "kpi": "64.044",
      "sub": "19% de los morosos poseen al menos 1 propiedad y 1 vehículo",
      "desc": "Uno de cada cinco deudores morosos del Fondo Solidario (64.044 personas, 19,1% del total) tiene simultáneamente al menos una propiedad Y al menos un vehículo registrado en Servel/SII. No son el típico 'profesional sin bienes' que el imaginario asocia con el crédito universitario impago: son personas con vida establecida — casa propia o departamento, al menos un auto. El patrón refuta el supuesto de que la morosidad refleja incapacidad económica.",
      "eli5": "Casi 65 mil de los deudores tienen AL MISMO TIEMPO auto y casa propias. No es poco. Tienen dónde vivir, tienen cómo moverse. No son los típicos 'pobres sin plata' — son profesionales establecidos, con familia, con propiedades. Pero el Fondo Solidario lo dejaron pendiente.",
      "tipo": "wealth"
    },
    {
      "titulo": "Santiago comuna concentra 11.124 deudores",
      "kpi": "11.124",
      "sub": "La comuna de Santiago lidera el ranking nacional",
      "desc": "La comuna de Santiago (no confundir con la Región Metropolitana) concentra 11.124 deudores FSCU — el primer lugar del ranking comunal nacional. Es una comuna de tamaño mediano (menos de 400.000 habitantes) pero con alta concentración de población universitaria (egresados que arriendan en el centro), lo que explica el volumen. Le siguen comunas populosas como Maipú, Puente Alto, La Florida y Ñuñoa, donde vive gran parte de la clase media profesional chilena.",
      "eli5": "La comuna de Santiago (el centro) es donde más deudores FSCU viven: 11.124 personas. Es una comuna no tan grande, pero llena de egresados universitarios que arriendan departamentos céntricos. Es el barrio típico del profesional joven chileno.",
      "tipo": "demographics"
    }
  ],
  "per_year": {
    "2015": {
      "year": 2015,
      "total": 189872,
      "utm_total": 18578306.0,
      "avg_utm": 94.9,
      "median_utm": 45.4,
      "clp_total": 1298419228034,
      "usd_total": 1464955352,
      "top_universidades": [
        {
          "universidad": "U. de Santiago",
          "n": 17623,
          "utm_total": 1615485.0
        },
        {
          "universidad": "U. de Concepción",
          "n": 13466,
          "utm_total": 1354004.0
        },
        {
          "universidad": "UTEM",
          "n": 11541,
          "utm_total": 893330.0
        },
        {
          "universidad": "U. de Playa Ancha",
          "n": 11496,
          "utm_total": 742313.0
        },
        {
          "universidad": "UTFSM",
          "n": 10781,
          "utm_total": 861594.0
        },
        {
          "universidad": "U. del Bío-Bío",
          "n": 10685,
          "utm_total": 993134.0
        },
        {
          "universidad": "U. Austral",
          "n": 10657,
          "utm_total": 1055313.0
        },
        {
          "universidad": "U. de La Serena",
          "n": 10484,
          "utm_total": 1375689.0
        },
        {
          "universidad": "PUC de Valparaíso",
          "n": 9899,
          "utm_total": 1081701.0
        },
        {
          "universidad": "U. de La Frontera",
          "n": 9811,
          "utm_total": 1093857.0
        },
        {
          "universidad": "U. de Valparaíso",
          "n": 8875,
          "utm_total": 747026.0
        },
        {
          "universidad": "UMCE",
          "n": 8129,
          "utm_total": 755484.0
        },
        {
          "universidad": "U. de Tarapacá",
          "n": 8092,
          "utm_total": 754286.0
        },
        {
          "universidad": "UCTEMUCO",
          "n": 7902,
          "utm_total": 681923.0
        },
        {
          "universidad": "U. de Atacama",
          "n": 7467,
          "utm_total": 922682.0
        },
        {
          "universidad": "U. de Los Lagos",
          "n": 6785,
          "utm_total": 538840.0
        },
        {
          "universidad": "U. Católica Santísima Concepción",
          "n": 6434,
          "utm_total": 593505.0
        },
        {
          "universidad": "U. Católica del Norte",
          "n": 6241,
          "utm_total": 553653.0
        },
        {
          "universidad": "U. de Antofagasta",
          "n": 5568,
          "utm_total": 567500.0
        },
        {
          "universidad": "U. Arturo Prat",
          "n": 4235,
          "utm_total": 422562.0
        },
        {
          "universidad": "U. de Talca",
          "n": 3220,
          "utm_total": 374056.0
        },
        {
          "universidad": "U. Católica del Maule",
          "n": 3091,
          "utm_total": 169795.0
        },
        {
          "universidad": "PUC de Chile",
          "n": 2828,
          "utm_total": 333753.0
        },
        {
          "universidad": "U. de Magallanes",
          "n": 525,
          "utm_total": 96392.0
        },
        {
          "universidad": "AVALOS",
          "n": 1,
          "utm_total": 426.0
        }
      ],
      "por_monto_bucket": [
        {
          "bucket": "0-50 UTM",
          "n": 101466
        },
        {
          "bucket": "50-100 UTM",
          "n": 33733
        },
        {
          "bucket": "100-200 UTM",
          "n": 30406
        },
        {
          "bucket": "200-500 UTM",
          "n": 24921
        },
        {
          "bucket": "500-1.000 UTM",
          "n": 3298
        },
        {
          "bucket": "1.000-2.000 UTM",
          "n": 72
        },
        {
          "bucket": "2.000+ UTM",
          "n": 1
        }
      ]
    },
    "2016": {
      "year": 2016,
      "total": 198108,
      "utm_total": 20261211.0,
      "avg_utm": 99.5,
      "median_utm": 48.1,
      "clp_total": 1416035775579,
      "usd_total": 1597657477,
      "top_universidades": [
        {
          "universidad": "U. de Santiago",
          "n": 18446,
          "utm_total": 1771940.0
        },
        {
          "universidad": "U. de Concepción",
          "n": 13716,
          "utm_total": 1414920.0
        },
        {
          "universidad": "UTFSM",
          "n": 12278,
          "utm_total": 934595.0
        },
        {
          "universidad": "U. de Playa Ancha",
          "n": 11843,
          "utm_total": 823255.0
        },
        {
          "universidad": "U. del Bío-Bío",
          "n": 11540,
          "utm_total": 1076918.0
        },
        {
          "universidad": "UTEM",
          "n": 11523,
          "utm_total": 949390.0
        },
        {
          "universidad": "U. Austral",
          "n": 11157,
          "utm_total": 1135785.0
        },
        {
          "universidad": "U. de La Serena",
          "n": 10557,
          "utm_total": 1363849.0
        },
        {
          "universidad": "PUC de Valparaíso",
          "n": 10455,
          "utm_total": 1161214.0
        },
        {
          "universidad": "U. de La Frontera",
          "n": 10270,
          "utm_total": 1772054.0
        },
        {
          "universidad": "U. de Valparaíso",
          "n": 9301,
          "utm_total": 815421.0
        },
        {
          "universidad": "UMCE",
          "n": 8525,
          "utm_total": 811744.0
        },
        {
          "universidad": "U. de Tarapacá",
          "n": 8503,
          "utm_total": 813832.0
        },
        {
          "universidad": "UCTEMUCO",
          "n": 8269,
          "utm_total": 732389.0
        },
        {
          "universidad": "U. de Atacama",
          "n": 6957,
          "utm_total": 887508.0
        },
        {
          "universidad": "U. Católica del Norte",
          "n": 6412,
          "utm_total": 591735.0
        },
        {
          "universidad": "U. de Los Lagos",
          "n": 6291,
          "utm_total": 517701.0
        },
        {
          "universidad": "U. Católica Santísima Concepción",
          "n": 6281,
          "utm_total": 596511.0
        },
        {
          "universidad": "U. de Antofagasta",
          "n": 5735,
          "utm_total": 595906.0
        },
        {
          "universidad": "U. Arturo Prat",
          "n": 4688,
          "utm_total": 486530.0
        },
        {
          "universidad": "U. de Talca",
          "n": 4611,
          "utm_total": 441211.0
        },
        {
          "universidad": "U. Católica del Maule",
          "n": 3331,
          "utm_total": 197825.0
        },
        {
          "universidad": "PUC de Chile",
          "n": 3021,
          "utm_total": 368864.0
        },
        {
          "universidad": "ULAGO",
          "n": 1,
          "utm_total": 115.0
        }
      ],
      "por_monto_bucket": [
        {
          "bucket": "0-50 UTM",
          "n": 103123
        },
        {
          "bucket": "50-100 UTM",
          "n": 36952
        },
        {
          "bucket": "100-200 UTM",
          "n": 31318
        },
        {
          "bucket": "200-500 UTM",
          "n": 26049
        },
        {
          "bucket": "500-1.000 UTM",
          "n": 4399
        },
        {
          "bucket": "1.000-2.000 UTM",
          "n": 166
        }
      ]
    },
    "2017": {
      "year": 2017,
      "total": 198929,
      "utm_total": 20730756.0,
      "avg_utm": 101.5,
      "median_utm": 52.8,
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        {
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        {
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        {
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        {
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        {
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        {
          "universidad": "U. Católica del Maule",
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        {
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          "universidad": "U. de Antofagasta",
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          "universidad": "U. Católica del Maule",
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          "universidad": "U. Arturo Prat",
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          "universidad": "PUC de Chile",
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        {
          "bucket": "2.000+ UTM",
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      "pct_delta_cartera_utm": 56.6,
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    },
    {
      "universidad": "U. de Playa Ancha",
      "deudores_2022": 14992,
      "deudores_2026": 16983,
      "utm_2022": 1574631.0,
      "utm_2026": 2472819.0,
      "pct_delta_deudores": 13.3,
      "pct_delta_cartera_utm": 57.0,
      "utm_delta": 898188.0
    },
    {
      "universidad": "U. de Concepción",
      "deudores_2022": 20680,
      "deudores_2026": 24634,
      "utm_2022": 2624499.0,
      "utm_2026": 4126836.0,
      "pct_delta_deudores": 19.1,
      "pct_delta_cartera_utm": 57.2,
      "utm_delta": 1502337.0
    },
    {
      "universidad": "U. de Valparaíso",
      "deudores_2022": 14926,
      "deudores_2026": 18208,
      "utm_2022": 1734673.0,
      "utm_2026": 2741418.0,
      "pct_delta_deudores": 22.0,
      "pct_delta_cartera_utm": 58.0,
      "utm_delta": 1006745.0
    },
    {
      "universidad": "U. de Tarapacá",
      "deudores_2022": 11861,
      "deudores_2026": 14125,
      "utm_2022": 1518876.0,
      "utm_2026": 2400572.0,
      "pct_delta_deudores": 19.1,
      "pct_delta_cartera_utm": 58.0,
      "utm_delta": 881696.0
    },
    {
      "universidad": "U. de La Serena",
      "deudores_2022": 15159,
      "deudores_2026": 17452,
      "utm_2022": 2443333.0,
      "utm_2026": 3861983.0,
      "pct_delta_deudores": 15.1,
      "pct_delta_cartera_utm": 58.1,
      "utm_delta": 1418650.0
    },
    {
      "universidad": "U. del Bío-Bío",
      "deudores_2022": 16503,
      "deudores_2026": 19305,
      "utm_2022": 1779278.0,
      "utm_2026": 2874393.0,
      "pct_delta_deudores": 17.0,
      "pct_delta_cartera_utm": 61.5,
      "utm_delta": 1095115.0
    },
    {
      "universidad": "U. de Santiago",
      "deudores_2022": 19596,
      "deudores_2026": 25293,
      "utm_2022": 2315855.0,
      "utm_2026": 4153524.0,
      "pct_delta_deudores": 29.1,
      "pct_delta_cartera_utm": 79.4,
      "utm_delta": 1837669.0
    },
    {
      "universidad": "U. Católica del Maule",
      "deudores_2022": 5919,
      "deudores_2026": 7387,
      "utm_2022": 553928.0,
      "utm_2026": 996189.0,
      "pct_delta_deudores": 24.8,
      "pct_delta_cartera_utm": 79.8,
      "utm_delta": 442261.0
    },
    {
      "universidad": "PUC de Chile",
      "deudores_2022": 4340,
      "deudores_2026": 5939,
      "utm_2022": 520779.0,
      "utm_2026": 985776.0,
      "pct_delta_deudores": 36.8,
      "pct_delta_cartera_utm": 89.3,
      "utm_delta": 464996.0
    },
    {
      "universidad": "UTFSM",
      "deudores_2022": 16573,
      "deudores_2026": 20324,
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      "utm_2026": 2568693.0,
      "pct_delta_deudores": 22.6,
      "pct_delta_cartera_utm": 144.8,
      "utm_delta": 1519483.0
    },
    {
      "universidad": "U. de O'Higgins",
      "deudores_2022": 1,
      "deudores_2026": 39,
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      "utm_2026": 425.0,
      "pct_delta_deudores": 3800.0,
      "pct_delta_cartera_utm": 5053.1,
      "utm_delta": 417.0
    }
  ],
  "justicia_resumen": {
    "total": 335152,
    "con_pjud": 72014,
    "con_demandado_deuda": 72014,
    "pct_con_pjud": 21.5,
    "pct_con_demandado_deuda": 21.5
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  "justicia_por_causa": [
    {
      "bucket": "10+ causas",
      "n": 476
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    {
      "bucket": "1 causa",
      "n": 43267
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    {
      "bucket": "2-3 causas",
      "n": 20329
    },
    {
      "bucket": "Sin causas por deuda",
      "n": 263138
    },
    {
      "bucket": "4-10 causas",
      "n": 7942
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  ],
  "justicia_por_region": [
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      "region": "Metropolitana",
      "n": 80081,
      "demandados_civil": 18878.0,
      "pct_demandados": 23.6
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    {
      "region": "Valparaíso",
      "n": 43578,
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    },
    {
      "region": "(sin región)",
      "n": 37876,
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      "pct_demandados": 20.0
    },
    {
      "region": "Biobío",
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      "demandados_civil": 7493.0,
      "pct_demandados": 21.5
    },
    {
      "region": "La Araucanía",
      "n": 20688,
      "demandados_civil": 4171.0,
      "pct_demandados": 20.2
    },
    {
      "region": "Coquimbo",
      "n": 18932,
      "demandados_civil": 3908.0,
      "pct_demandados": 20.6
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    {
      "region": "Maule",
      "n": 16113,
      "demandados_civil": 3265.0,
      "pct_demandados": 20.3
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    {
      "region": "Los Lagos",
      "n": 14294,
      "demandados_civil": 3042.0,
      "pct_demandados": 21.3
    },
    {
      "region": "O’Higgins",
      "n": 12306,
      "demandados_civil": 2748.0,
      "pct_demandados": 22.3
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    {
      "region": "Antofagasta",
      "n": 11276,
      "demandados_civil": 2798.0,
      "pct_demandados": 24.8
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    {
      "region": "Ñuble",
      "n": 9122,
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      "pct_demandados": 18.4
    },
    {
      "region": "Los Ríos",
      "n": 8448,
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      "pct_demandados": 21.8
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    {
      "region": "Arica Y Parinacota",
      "n": 8378,
      "demandados_civil": 1655.0,
      "pct_demandados": 19.8
    },
    {
      "region": "Atacama",
      "n": 7200,
      "demandados_civil": 1532.0,
      "pct_demandados": 21.3
    },
    {
      "region": "Tarapacá",
      "n": 6222,
      "demandados_civil": 1365.0,
      "pct_demandados": 21.9
    },
    {
      "region": "Magallanes",
      "n": 3990,
      "demandados_civil": 778.0,
      "pct_demandados": 19.5
    },
    {
      "region": "Aysén",
      "n": 1849,
      "demandados_civil": 369.0,
      "pct_demandados": 20.0
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  ],
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      "universidad": "U. de Santiago",
      "n": 24535,
      "demandados_civil": 5209.0,
      "pct_demandados": 21.2
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    {
      "universidad": "U. de Concepción",
      "n": 24251,
      "demandados_civil": 5145.0,
      "pct_demandados": 21.2
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    {
      "universidad": "UTFSM",
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      "pct_demandados": 20.4
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    {
      "universidad": "PUC de Valparaíso",
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      "demandados_civil": 3682.0,
      "pct_demandados": 19.3
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    {
      "universidad": "U. del Bío-Bío",
      "n": 18823,
      "demandados_civil": 3461.0,
      "pct_demandados": 18.4
    },
    {
      "universidad": "U. de Valparaíso",
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      "demandados_civil": 4628.0,
      "pct_demandados": 25.8
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    {
      "universidad": "U. de La Serena",
      "n": 17187,
      "demandados_civil": 3442.0,
      "pct_demandados": 20.0
    },
    {
      "universidad": "U. de Chile",
      "n": 16971,
      "demandados_civil": 4948.0,
      "pct_demandados": 29.2
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    {
      "universidad": "U. de Playa Ancha",
      "n": 16599,
      "demandados_civil": 2910.0,
      "pct_demandados": 17.5
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    {
      "universidad": "UTEM",
      "n": 16210,
      "demandados_civil": 3790.0,
      "pct_demandados": 23.4
    },
    {
      "universidad": "U. de La Frontera",
      "n": 15114,
      "demandados_civil": 2944.0,
      "pct_demandados": 19.5
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    {
      "universidad": "U. Austral",
      "n": 13993,
      "demandados_civil": 3099.0,
      "pct_demandados": 22.1
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    {
      "universidad": "U. de Tarapacá",
      "n": 13946,
      "demandados_civil": 2870.0,
      "pct_demandados": 20.6
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    {
      "universidad": "U. Católica de Temuco",
      "n": 13379,
      "demandados_civil": 2620.0,
      "pct_demandados": 19.6
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    {
      "universidad": "U. Católica Santísima Concepción",
      "n": 11361,
      "demandados_civil": 2728.0,
      "pct_demandados": 24.0
    },
    {
      "universidad": "UMCE",
      "n": 9854,
      "demandados_civil": 1598.0,
      "pct_demandados": 16.2
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    {
      "universidad": "U. Católica del Norte",
      "n": 9597,
      "demandados_civil": 2159.0,
      "pct_demandados": 22.5
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    {
      "universidad": "U. de Talca",
      "n": 9237,
      "demandados_civil": 1926.0,
      "pct_demandados": 20.9
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    {
      "universidad": "U. de Los Lagos",
      "n": 8485,
      "demandados_civil": 1879.0,
      "pct_demandados": 22.1
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    {
      "universidad": "U. de Atacama",
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      "pct_demandados": 21.3
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    {
      "universidad": "U. de Antofagasta",
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      "pct_demandados": 25.0
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    {
      "universidad": "U. Católica del Maule",
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      "pct_demandados": 21.4
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    {
      "universidad": "U. Arturo Prat",
      "n": 6310,
      "demandados_civil": 1349.0,
      "pct_demandados": 21.4
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    {
      "universidad": "PUC de Chile",
      "n": 5814,
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      "pct_demandados": 28.9
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    {
      "universidad": "U. de Magallanes",
      "n": 4195,
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      "pct_demandados": 20.0
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    {
      "universidad": "U. de O'Higgins",
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      "pct_demandados": 17.1
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  ],
  "justicia_por_perfil": [
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      "perfil": "Sin info",
      "n": 186289,
      "demandados": 38029.0,
      "pct": 20.4
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    {
      "perfil": "Alto patrimonio",
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      "demandados": 20511.0,
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    {
      "perfil": "Profesional",
      "n": 15834,
      "demandados": 3973.0,
      "pct": 25.1
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    {
      "perfil": "LK sin clasif",
      "n": 10517,
      "demandados": 2599.0,
      "pct": 24.7
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    {
      "perfil": "Gerente",
      "n": 8514,
      "demandados": 2363.0,
      "pct": 27.8
    },
    {
      "perfil": "Académico",
      "n": 6664,
      "demandados": 1358.0,
      "pct": 20.4
    },
    {
      "perfil": "Profesional sr",
      "n": 4173,
      "demandados": 1064.0,
      "pct": 25.5
    },
    {
      "perfil": "Operativo",
      "n": 4053,
      "demandados": 1013.0,
      "pct": 25.0
    },
    {
      "perfil": "Ejecutivo",
      "n": 3628,
      "demandados": 1104.0,
      "pct": 30.4
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      "resumen": {
        "universidad": "PUC de Chile",
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        "clp_total": 68894898864,
        "usd_total": 77731404,
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        "utm_median": 99.8
      },
      "evolucion": [
        {
          "year": 2015,
          "deudores": 2828,
          "utm_total": 333753.0,
          "utm_avg": 118.0
        },
        {
          "year": 2016,
          "deudores": 3021,
          "utm_total": 368864.0,
          "utm_avg": 122.1
        },
        {
          "year": 2017,
          "deudores": 3081,
          "utm_total": 394165.0,
          "utm_avg": 127.9
        },
        {
          "year": 2021,
          "deudores": 4420,
          "utm_total": 499014.0,
          "utm_avg": 112.9
        },
        {
          "year": 2022,
          "deudores": 4340,
          "utm_total": 520779.0,
          "utm_avg": 120.0
        },
        {
          "year": 2023,
          "deudores": 4958,
          "utm_total": 661749.0,
          "utm_avg": 133.5
        },
        {
          "year": 2024,
          "deudores": 5366,
          "utm_total": 761980.0,
          "utm_avg": 142.0
        },
        {
          "year": 2025,
          "deudores": 5707,
          "utm_total": 872133.0,
          "utm_avg": 152.8
        },
        {
          "year": 2026,
          "deudores": 5939,
          "utm_total": 985776.0,
          "utm_avg": 166.0
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      ],
      "por_region": [
        {
          "region": "Metropolitana",
          "n": 3517
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        {
          "region": "(sin región)",
          "n": 780
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        {
          "region": "La Araucanía",
          "n": 378
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        {
          "region": "O’Higgins",
          "n": 262
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        {
          "region": "Valparaíso",
          "n": 230
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        {
          "region": "Los Lagos",
          "n": 161
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        {
          "region": "Maule",
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        {
          "region": "Los Ríos",
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        {
          "region": "Coquimbo",
          "n": 78
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        {
          "region": "Biobío",
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        {
          "region": "Ñuble",
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        {
          "region": "Antofagasta",
          "n": 23
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        {
          "region": "Tarapacá",
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        {
          "region": "Aysén",
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          "region": "Magallanes",
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          "region": "Arica Y Parinacota",
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          "region": "Atacama",
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          "rango_edad": "18-25",
          "n": 10
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        {
          "rango_edad": "26-35",
          "n": 1112
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        {
          "rango_edad": "36-45",
          "n": 2258
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        {
          "rango_edad": "46-55",
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        {
          "rango_edad": "56-65",
          "n": 375
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        {
          "rango_edad": "66+",
          "n": 73
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        {
          "rango_edad": "(sin dato)",
          "n": 830
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      ],
      "por_sexo": [
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          "sexo": "Masculino",
          "n": 2661
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        {
          "sexo": "Femenino",
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        {
          "sexo": "(sin dato)",
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      ],
      "por_seniority": [
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          "seniority": "professional",
          "n": 323
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        {
          "seniority": "unclassified",
          "n": 209
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        {
          "seniority": "academic",
          "n": 197
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        {
          "seniority": "manager",
          "n": 173
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        {
          "seniority": "senior",
          "n": 95
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        {
          "seniority": "operational",
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        {
          "seniority": "c-level",
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        {
          "seniority": "director",
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      "por_monto_bucket": [
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          "bucket": "0-50 UTM",
          "n": 1854
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        {
          "bucket": "50-100 UTM",
          "n": 1118
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        {
          "bucket": "100-200 UTM",
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        {
          "bucket": "200-500 UTM",
          "n": 1291
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        {
          "bucket": "500-1.000 UTM",
          "n": 343
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        {
          "bucket": "1.000-2.000 UTM",
          "n": 45
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      "justicia": {
        "total": 5814,
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        "pct_demandados": 28.9
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      "resumen": {
        "universidad": "PUC de Valparaíso",
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        "utm_median": 102.5
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      "evolucion": [
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          "year": 2015,
          "deudores": 9899,
          "utm_total": 1081701.0,
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        {
          "year": 2016,
          "deudores": 10455,
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        },
        {
          "year": 2017,
          "deudores": 10500,
          "utm_total": 1196028.0,
          "utm_avg": 113.9
        },
        {
          "year": 2021,
          "deudores": 15512,
          "utm_total": 1852137.0,
          "utm_avg": 119.4
        },
        {
          "year": 2022,
          "deudores": 16081,
          "utm_total": 2088884.0,
          "utm_avg": 129.9
        },
        {
          "year": 2023,
          "deudores": 17112,
          "utm_total": 2338754.0,
          "utm_avg": 136.7
        },
        {
          "year": 2024,
          "deudores": 18053,
          "utm_total": 2846597.0,
          "utm_avg": 157.7
        },
        {
          "year": 2025,
          "deudores": 19144,
          "utm_total": 2936017.0,
          "utm_avg": 153.4
        },
        {
          "year": 2026,
          "deudores": 19721,
          "utm_total": 3247686.0,
          "utm_avg": 164.7
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      ],
      "por_region": [
        {
          "region": "Valparaíso",
          "n": 10247
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        {
          "region": "Metropolitana",
          "n": 3181
        },
        {
          "region": "(sin región)",
          "n": 2393
        },
        {
          "region": "O’Higgins",
          "n": 1170
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        {
          "region": "Coquimbo",
          "n": 421
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        {
          "region": "Los Lagos",
          "n": 344
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        {
          "region": "Maule",
          "n": 266
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        {
          "region": "Antofagasta",
          "n": 164
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        {
          "region": "Atacama",
          "n": 147
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        {
          "region": "Tarapacá",
          "n": 134
        },
        {
          "region": "La Araucanía",
          "n": 124
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        {
          "region": "Aysén",
          "n": 116
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        {
          "region": "Biobío",
          "n": 103
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        {
          "region": "Magallanes",
          "n": 102
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        {
          "region": "Los Ríos",
          "n": 78
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        {
          "region": "Arica Y Parinacota",
          "n": 68
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        {
          "region": "Ñuble",
          "n": 36
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      ],
      "por_edad": [
        {
          "rango_edad": "18-25",
          "n": 35
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        {
          "rango_edad": "26-35",
          "n": 4513
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        {
          "rango_edad": "36-45",
          "n": 7201
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        {
          "rango_edad": "46-55",
          "n": 2619
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        {
          "rango_edad": "56-65",
          "n": 1732
        },
        {
          "rango_edad": "66+",
          "n": 531
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        {
          "rango_edad": "(sin dato)",
          "n": 2463
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      ],
      "por_sexo": [
        {
          "sexo": "Masculino",
          "n": 9829
        },
        {
          "sexo": "Femenino",
          "n": 6802
        },
        {
          "sexo": "(sin dato)",
          "n": 2463
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      ],
      "por_seniority": [
        {
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          "rango_edad": "(sin dato)",
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          "region": "Coquimbo",
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          "region": "La Araucanía",
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          "region": "Biobío",
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          "region": "Los Ríos",
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          "region": "Aysén",
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          "rango_edad": "26-35",
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          "rango_edad": "46-55",
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        {
          "rango_edad": "56-65",
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        {
          "rango_edad": "66+",
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        {
          "rango_edad": "(sin dato)",
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          "sexo": "Femenino",
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        {
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          "bucket": "100-200 UTM",
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          "bucket": "200-500 UTM",
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          "bucket": "500-1.000 UTM",
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        "utm_median": 82.3
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          "year": 2015,
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        {
          "year": 2016,
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        {
          "year": 2017,
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        {
          "year": 2021,
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        {
          "year": 2022,
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          "year": 2023,
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          "year": 2024,
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        {
          "year": 2025,
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          "region": "(sin región)",
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          "region": "Los Lagos",
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          "region": "Coquimbo",
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          "region": "La Araucanía",
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          "region": "Antofagasta",
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          "region": "Los Ríos",
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          "region": "Atacama",
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          "region": "Tarapacá",
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          "region": "Magallanes",
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          "rango_edad": "56-65",
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        {
          "rango_edad": "(sin dato)",
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}