Student Loan Debt by State

Last Updated: August 12, 2021 by Melanie Hanson

Report Highlights. Federal student loan debt among the 50 U.S. states averages $35.5 billion per state.

  • District of Columbia residents have the nation’s highest average federal student loan debt at $55,077 per borrower.
  • D.C. also has the highest number of indebted student borrowers per capita, with 16.5% of residents in debt.
  • North Dakota’s average federal student loan debt is $29,446, making it the only state where the average debt is less than $30,000.
  • Hawaiians are the least likely to have student loans outstanding, with 8.5% of residents in debt.
  • In every state (including D.C. and Puerto Rico), adults 25 to 34 years old are the largest indebted age group.

Jump to a state: AL | AK | AZ | AR | CA | CO | CT | DE | FL | GA | HI | ID | IL | IN | IA | KS | KY | LA | ME | MD | MA | MI | MN | MS | MO | MT | NE | NV | NH | NJ | NM | NY | NC | ND | OH | OK | OR | PA | PR | RI | SC | SD | TN | TX | UT | VT | VA | WA | WV | WI | WY

National Map: Average Student Loan Debt per Borrower by State (Student Loan Debt by State)

Related reports include Student Loan Debt Statistics | Student Loan Debt by Race | Student Loan Forgiveness | Student Loan Default Rate | Average Student Loan Payment | Student Loan Refinancing

Student Loan Debt by State

Debt variations among states are often due to socioeconomic factors, such as a higher concentration of health specialists with medical school debt. Note that all student loan debt on this page refers to federal student loan debt only; private student loans are not a factor.

  • D.C. residents are the most likely to have student loan debt among U.S. residents.
  • Excluding D.C., Maryland borrowers have the highest average student loan debt.
  • Aside from D.C. and Maryland, Georgia is the only place where the average student loan debt exceeds $40,000.
  • Ohio residents are the most likely to have student loan debt among U.S. residents.
  • Hawaiians are the least likely to have student loan debt.
  • In the contiguous 48 states, Wyoming residents are the least likely to have student loan debt.
  • Borrowers in North Dakota and Puerto Rico have the lowest average student loan debt rates.
  • $4.3 billion in student loan debt is in other U.S. territories (excluding Puerto Rico).
  • Specific location data is unavailable for 4.2 million borrowers with a total of $103.8 billion in student debt.
Student Loan Debt by State
State Average Borrower Debt State’s Total Debt
District of Columbia $55,077 $6.4 Billion
Maryland $43,219 $35.5 Billion
Georgia $41,843 $67.2 Billion
Virginia $39,472 $41.9 Billion
South Carolina $38,662 $27.5 Billion
Florida $38,481 $98.2 Billion
Vermont $38,411 $2.9 Billion
New York $38,107 $91.9 Billion
Illinois $38,071 $61.1 Billion
North Carolina $37,861 $48.0 Billion
Alabama $37,348 $23.1 Billion
Delaware $37,338 $4.6 Billion
Oregon $37,251 $20.0 Billion
Colorado $37,120 $28.2 Billion
Mississippi $37,080 $16.0 Billion
California $36,937 $142.7 Billion
Hawaii $36,575 $4.4 Billion
Tennessee $36,549 $30.8 Billion
Michigan $36,295 $50.7 Billion
Pennsylvania $35,804 $63.9 Billion
New Jersey $35,730 $41.7 Billion
Missouri $35,706 $29.3 Billion
Washington $35,521 $27.6 Billion
Arizona $35,454 $30.7 Billion
Connecticut $35,448 $17.1 Billion
Ohio $34,923 $61.8 Billion
Louisiana $34,683 $22.1 Billion
Massachusetts $34,549 $30.4 Billion
Alaska $34,431 $2.3 Billion
New Hampshire $34,353 $6.4 Billion
New Mexico $34,237 $7.7 Billion
Montana $33,953 $4.2 Billion
Nevada $33,863 $26.3 Billion
Minnesota $33,822 $26.3 Billion
Arkansas $33,525 $12.8 Billion
Maine $33,352 $6.1 Billion
Kansas $33,130 $12.5 Billion
Texas $33,123 $116.8 Billion
Indiana $33,106 $29.6 Billion
Idaho $33,100 $7.1 Billion
Kentucky $33,023 $19.5 Billion
Utah $32,781 $9.9 Billion
Wisconsin $32,272 $23.1 Billion
West Virginia $32,258 $7.2 Billion
Rhode Island $32,212 $4.5 Billion
Nebraska $32,138 $7.8 Billion
South Dakota $31,858 $3.6 Billion
Oklahoma $31,832 $15.2 Billion
Iowa $30,848 $13.2 Billion
Wyoming $30,246 $1.6 Billion
North Dakota $29,446 $2.5 Billion
Puerto Rico $27,607 $9.0 Billion
Other/Unspecified* $108.1 Billion

*This category includes respondants who live in U.S. territories, those who did not indicate a state of residence, and those who are otherwise situated.

Student Loan Debt in Alabama

Alabama’s average student loan debt exceeds the national average . As a whole, Alabama owes less in student loans than the national average among states. The percentage of Alabama residents with student loan debt is on par with the national rate of 12.1%.

  • $23.1 billion in student loan debt comes from Alabama.
  • $37,348 is the average student loan debt in Alabama.
  • 618,500 Alabama residents have student loan debt.
  • 51.1% of them are under the age of 35.
  • 12.3% of Alabama residents owe student loan debt.
  • Among the state’s indebted student borrowers, 14.6% owe less than $5,000.
  • 20.9% owe $20,000 to $40,000.
  • 2.1% owe more than $200,000.

Student Loan Debt in Alaska

Alaska’s sparse population contributes to its lower share of national student loan debt. The average Alaskan owes slightly less in student loans than the national average.

  • $2.3 billion in student loan debt belongs to state residents.
  • $34,431 is the average student loan debt.
  • 66,800 student borrowers live in Alaska.
  • 50.6% of them are under the age of 35.
  • 9.1% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 17.2% owe less than $5,000.
  • 19.9% owe $20,000 to $40,000.
  • 2.2% owe more than $200,000.

Student Loan Debt in Arizona

Arizona owes an average total amount in student loans. Their average debt is also on par with the rest of the country. People in Arizona are slightly less likely to have student loan debt.

  • $30.7 billion in student loan debt belongs to state residents.
  • $35,431 is the average student loan debt.
  • 865,900 student borrowers live in Arizona.
  • 48.5% of them are under the age of 35.
  • 12.1% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 16.3% owe less than $5,000.
  • 20.2% owe $20,000 to $40,000.
  • 2.2% owe more than $200,000.

Student Loan Debt in Arkansas

People in Arkansas are more likely to have student loan debt. They owe slightly less on average, however. Their cumulative debt is significantly less than that of most states.

  • $12.8 billion in student loan debt belongs to state residents.
  • $33,525 is the average student loan debt.
  • 381,800 student borrowers live in Arkansas.
  • 52.2% of them are under the age of 35.
  • 12.7% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 16.5% owe less than $5,000.
  • 20.1% owe $20,000 to $40,000.
  • 1.5% owe more than $200,000.

Student Loan Debt in California

Californians owes the largest cumulative debt. They also have the highest number of indebted students. The population’s rate of indebtedness is one of the lowest in the nation, however.

  • $142.7 billion in student loan debt belongs to state residents.
  • $36,937 is the average student loan debt.
  • 3.86 million student borrowers live in California.
  • 53.4% of them are under the age of 35.
  • 9.8% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 14.8% owe less than $5,000.
  • 20.5% owe $20,000 to $40,000.
  • 2.9% owe more than $200,000.

Student Loan Debt in Colorado

Colorado residents owe a little more on average than most indebted student borrowers. They are also more likely to owe student loan payments.

  • $28.2 billion in student loan debt belongs to state residents.
  • $37,120 is the average student loan debt.
  • 759,700 student borrowers live in Colorado.
  • 53.1% of them are under the age of 35.
  • 13.2% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 14.5% owe less than $5,000.
  • 22.1% owe $20,000 to $40,000.
  • 2.2% owe more than $200,000.

Student Loan Debt in Connecticut

In 2016, Connecticut residents had the highest average student loan debt among the states; now its average student loan debt per borrower is slightly higher than the national average.

  • $17.1 billion in student loan debt belongs to state residents.
  • $35,448 is the average student loan debt.
  • 482,400 student borrowers live in Connecticut.
  • 58.1% of them are under the age of 35.
  • 13.4% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 12.7% owe less than $5,000.
  • 23.2% owe $20,000 to $40,000.
  • 2.1% owe more than $200,000.

Student Loan Debt in Delaware

Delaware’s population has a proportion of indebted student borrowers on par with the national rate, but the average borrower owes more than student borrowers in most other states.

  • $4.6 billion in student loan debt belongs to state residents.
  • $37,338 is the average student loan debt.
  • 123,200 student borrowers live in Delaware.
  • 53.7% of them are under the age of 35.
  • 12.4% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 13.9% owe less than $5,000.
  • 21.2% owe $20,000 to $40,000.
  • 2.3% owe more than $200,000.

National Map: Indebted Student Borrowers by State (Student Loan Debt by State)

Student Loan Debt in District of Columbia

Residents of the District of Columbia (D.C.) are much more likely than their peers throughout the rest of the nation to carry a high amount of student loan debt. Some of this may be due to the concentration of legal specialties and the high average law school debt.

  • $6.4 billion in student loan debt belongs to district residents.
  • $55,077 is the average student loan debt.
  • 116,200 student borrowers live in D.C.
  • 54.0% of them are under the age of 35.
  • 16.9% of D.C. residents have student loan debt.
  • Among the state’s indebted student borrowers, 11.6% owe less than $5,000.
  • 19.4% owe $20,000 to $40,000.
  • 5.9% owe more than $200,000.

Student Loan Debt in Florida

Florida residents are less likely to have outstanding student loans but with a higher amount due.

  • $98.2 billion in student loan debt belongs to state residents.
  • $38,481 is the average student loan debt.
  • 2.55 million student borrowers live in Florida.
  • 48.9% of them are under the age of 35.
  • 11.8% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 15.0% owe less than $5,000.
  • 20.7% owe $20,000 to $40,000.
  • 2.6% owe more than $200,000.

Student Loan Debt in Georgia

Georgians are more likely than their peers in other states to have a high amount of student loan debt remaining.

  • $67.2 billion in student loan debt belongs to state residents.
  • $41,843 is the average student loan debt.
  • 1.61 million student borrowers live in Georgia.
  • 50.4% of them are under the age of 35.
  • 15.0% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 13.0% owe less than $5,000.
  • 20.9% owe $20,000 to $40,000.
  • 2.7% owe more than $200,000.

Student Loan Debt in Hawaii

Hawaii has a smaller proportion of indebted student borrowers, but the average remaining student loan balance is higher than in the rest of the United States.

  • $4.4 billion in student loan debt belongs to state residents.
  • $36,575 is the average student loan debt.
  • 120,300 student borrowers live in Hawaii.
  • 52.1% of them are under the age of 35.
  • 8.3% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 15.2% owe less than $5,000.
  • 21.4% owe $20,000 to $40,000.
  • 2.4% owe more than $200,000.

Student Loan Debt in Idaho

People in Idaho are less likely to have educational debt. They also owe less on average.

  • $7.1 billion in student loan debt belongs to state residents.
  • $33,100 is the average student loan debt.
  • 214,500 student borrowers live in Idaho.
  • 51.0% of them are under the age of 35.
  • 11.7% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 16.8% owe less than $5,000.
  • 21.4% owe $20,000 to $40,000.
  • 1.4% owe more than $200,000.

Student Loan Debt in Illinois

Illinois residents are slightly more likely to have student loan debt, and they have a higher average balance remaining.

  • $61.1 billion in student loan debt belongs to state residents.
  • $38,071 is the average student loan debt.
  • 1.60 million student borrowers live in Illinois.
  • 55.3% of them are under the age of 35.
  • 12.5% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 13.8% owe less than $5,000.
  • 21.9% owe $20,000 to $40,000.
  • 2.6% owe more than $200,000.

Student Loan Debt in Indiana

Indiana’s population has a smaller proportion of student borrowers. The average student loan balance in Indiana is lower than the nationwide average.

  • $29.6 billion in student loan debt belongs to state residents.
  • $33,106 is the average student loan debt.
  • 894,100 student borrowers live in Indiana.
  • 52.6% of them are under the age of 35.
  • 13.2% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 14.9% owe less than $5,000.
  • 22.5% owe $20,000 to $40,000.
  • 1.4% owe more than $200,000.

National Map: Total Student Loan Debt by State (Student Loan Debt by State)

Student Loan Debt in Iowa

Iowans are more likely to have student loan debt, but they owe significantly less on average.

  • $13.2 billion in student loan debt belongs to state residents.
  • $30,848 is the average student loan debt.
  • 427,900 student borrowers live in Iowa.
  • 56.2% of them are under the age of 35.
  • 13.4% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 16.4% owe less than $5,000.
  • 22.8% owe $20,000 to $40,000.
  • 1.3% owe more than $200,000.

Student Loan Debt in Kansas

Kansas student borrowers owe less on average but there is a slightly higher proportion of them compared to the national average.

  • $12.5 billion in student loan debt belongs to state residents.
  • $33,130 is the average student loan debt.
  • 377,300 student borrowers live in Kansas.
  • 53.6% of them are under the age of 35.
  • 12.8% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 15.6% owe less than $5,000.
  • 21.9% owe $20,000 to $40,000.
  • 1.5% owe more than $200,000.

Student Loan Debt in Kentucky

Kentucky residents are more likely to have educational debt, but they owe less per borrower.

  • $19.5 billion in student loan debt belongs to state residents.
  • $33,023 is the average student loan debt.
  • 590,500 student borrowers live in Kentucky.
  • 52.4% of them are under the age of 35.
  • 13.1% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 15.9% owe less than $5,000.
  • 21.8% owe $20,000 to $40,000.
  • 1.4% owe more than $200,000.

Student Loan Debt in Louisiana

The average student loan debt in Louisiana is on par with the rest of the nation, but the state’s population has a higher proportion of student borrowers.

  • $22.1 billion in student loan debt belongs to state residents.
  • $34,683 is the average student loan debt.
  • 637,200 student borrowers live in Louisiana.
  • 53.7% of them are under the age of 35.
  • 13.7% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 15.6% owe less than $5,000.
  • 19.7% owe $20,000 to $40,000.
  • 1.9% owe more than $200,000.

Student Loan Debt in Maine

People in Maine are more likely to have student loan debt, but indebted borrowers have a lower average balance remaining.

  • $6.1 billion in student loan debt belongs to state residents.
  • $33,352 is the average student loan debt.
  • 182,900 student borrowers live in Maine.
  • 56.6% of them are under the age of 35.
  • 13.4% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 15.2% owe less than $5,000.
  • 23.6% owe $20,000 to $40,000.
  • 1.8% owe more than $200,000.

Student Loan Debt in Maryland

Maryland residents are more likely to have a great deal of student loan debt than their peers across the country.

  • $35.5 billion in student loan debt belongs to state residents.
  • $43,219 is the average student loan debt.
  • 821,400 student borrowers live in Maryland.
  • 51.4% of them are under the age of 35.
  • 13.3% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 12.5% owe less than $5,000.
  • 20.8% owe $20,000 to $40,000.
  • 3.2% owe more than $200,000.

Student Loan Debt in Massachusetts

Massachusetts is on par with the national average in terms of its indebted population and the average student loan balance.

  • $30.4 billion in student loan debt belongs to state residents.
  • $34,549 is the average student loan debt.
  • 879,900 student borrowers live in Massachusetts.
  • 63.7% of them are under the age of 35.
  • 12.5% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 13.4% owe less than $5,000.
  • 24.5% owe $20,000 to $40,000.
  • 2.2% owe more than $200,000.

Student Loan Debt in Michigan

People in Michigan are more likely to have a higher college debt than their peers nationwide.

  • $50.7 billion in student loan debt belongs to state residents.
  • $36,295 is the average student loan debt.
  • 1.40 million student borrowers live in Michigan.
  • 52.9% of them are under the age of 35.
  • 13.9% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 14.7% owe less than $5,000.
  • 21.6% owe $20,000 to $40,000.
  • 2.0% owe more than $200,000.

Student Loan Debt in Minnesota

Minnesotans are more likely to have educational debt, but their average remaining debt is lower.

  • $26.3 billion in student loan debt belongs to state residents.
  • $33,822 is the average student loan debt.
  • 777,600 student borrowers live in Minnesota.
  • 58.8% of them are under the age of 35.
  • 13.6% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 13.3% owe less than $5,000.
  • 23.8% owe $20,000 to $40,000.
  • 1.7% owe more than $200,000.

Student Loan Debt in Mississippi

Mississippians are more likely to be in debt from student loans. The average student loan debt in Mississippi is higher than the nationwide average.

  • $16.0 billion in student loan debt belongs to state residents.
  • $37,080 is the average student loan debt.
  • 431,500 student borrowers live in Mississippi.
  • 49.9% of them are under the age of 35.
  • 14.6% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 16.7% owe less than $5,000.
  • 19.2% owe $20,000 to $40,000.
  • 2.2% owe more than $200,000.

Student Loan Debt in Missouri

People in Missouri are more likely to have an above average debt remainder than their nationwide peers.

  • $29.3 billion in student loan debt belongs to state residents.
  • $35,706 is the average student loan debt.
  • 820,600 student borrowers live in Missouri.
  • 51.4% of them are under the age of 35.
  • 13.3% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 14.0% owe less than $5,000.
  • 22.2% owe $20,000 to $40,000.
  • 1.8% owe more than $200,000.

Student Loan Debt in Montana

Montana residents are a little less likely to have a smaller amount of student loan debt.

  • $4.2 billion in student loan debt belongs to state residents.
  • $33,953 is the average student loan debt.
  • 123,700 student borrowers live in Montana.
  • 52.0% of them are under the age of 35.
  • 11.4% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 15.6% owe less than $5,000.
  • 21.8% owe $20,000 to $40,000.
  • % owe more than $200,000.

Student Loan Debt in Nebraska

Nebraskans are about as likely as anyone else to have student loan debt, but they owe less on average.

  • $7.8 billion in student loan debt belongs to state residents.
  • $32,138 is the average student loan debt.
  • 242,700 student borrowers live in Nebraska.
  • 57.4% of them are under the age of 35.
  • 12.4% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 16.4% owe less than $5,000.
  • 22.3% owe $20,000 to $40,000.
  • 1.6% owe more than $200,000.

Student Loan Debt in Nevada

People in Nevada aren’t as likely to have student loan debt, and the average debt per student borrower is less than the national average.

  • $11.5 billion in student loan debt belongs to state residents.
  • $33,863 is the average student loan debt.
  • 339,600 student borrowers live in Nevada.
  • 48.2% of them are under the age of 35.
  • 10.9% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 17.3% owe less than $5,000.
  • 19.2% owe $20,000 to $40,000.
  • 2.1% owe more than $200,000.

Student Loan Debt in New Hampshire

People in New Hampshire are more likely to have student loan debt but owe less than the average student borrower.

  • $6.4 billion in student loan debt belongs to state residents.
  • $34,353 is the average student loan debt.
  • 186,300 student borrowers live in New Hampshire.
  • 60.1% of them are under the age of 35.
  • 13.5% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 13.6% owe less than $5,000.
  • 24.4% owe $20,000 to $40,000.
  • 1.8% owe more than $200,000.

Student Loan Debt in New Jersey

New Jersey residents are a little more likely to have student loan debt, and their average debt is a bit higher.

  • $41.7 billion in student loan debt belongs to state residents.
  • $35,730 is the average student loan debt.
  • 1.17 million student borrowers live in New Jersey.
  • 60.3% of them are under the age of 35.
  • 12.6% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 13.0% owe less than $5,000.
  • 22.9% owe $20,000 to $40,000.
  • 2.3% owe more than $200,000.

Student Loan Debt in New Mexico

In New Mexico, people are less likely to have educational debt, and they owe less money on average.

  • $7.7 billion in student loan debt belongs to state residents.
  • $34,237 is the average student loan debt.
  • 224,900 student borrowers live in New Mexico.
  • 45.6% of them are under the age of 35.
  • 10.6% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 17.4% owe less than $5,000.
  • 19.4% owe $20,000 to $40,000.
  • 1.6% owe more than $200,000.

Student Loan Debt in New York

New York residents are just as likely as anyone else to have student loan debt. Their average debt, however, is higher than their peers nationwide.

  • $91.9 billion in student loan debt belongs to state residents.
  • $38,107 is the average student loan debt.
  • 2.41 million student borrowers live in New York.
  • 57.1% of them are under the age of 35.
  • 11.9% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 14.2% owe less than $5,000.
  • 22.3% owe $20,000 to $40,000.
  • 2.7% owe more than $200,000.

Student Loan Debt in North Carolina

People in North Carolina are slightly less likely to have educational debt, but the average amount each borrower owes is significantly higher.

  • $48.0 billion in student loan debt belongs to state residents.
  • $37,861 is the average student loan debt.
  • 1.27 million student borrowers live in North Carolina.
  • 53.0% of them are under the age of 35.
  • 12.1% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 12.9% owe less than $5,000.
  • 23.0% owe $20,000 to $40,000.
  • 2.1% owe more than $200,000.

Student Loan Debt in North Dakota

People in North Dakota have some of the lowest student debt rates in the nation, and its residents are less likely to have unpaid student loans.

  • $2.5 billion in student loan debt belongs to state residents.
  • $29,446 is the average student loan debt.
  • 84,900 student borrowers live in North Dakota.
  • 62.8% of them are under the age of 35.
  • 10.9% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 16.4% owe less than $5,000.
  • 22.5% owe $20,000 to $40,000.
  • 1.2% owe more than $200,000.

Student Loan Debt in Ohio

Ohio residents are more likely to have student loan debt, but they owe slightly less on average than their peers nationwide.

  • $61.8 billion in student loan debt belongs to state residents.
  • $34,923 is the average student loan debt.
  • 1.77 million student borrowers live in Ohio.
  • 52.1% of them are under the age of 35.
  • 15.0% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 14.6% owe less than $5,000.
  • 22.2% owe $20,000 to $40,000.
  • 1.6% owe more than $200,000.

Student Loan Debt in Oklahoma

In Oklahoma, the average student debt is lower, and residents are a little less likely to have educational debt.

  • $15.2 billion in student loan debt belongs to state residents.
  • $31,832 is the average student loan debt.
  • 477,500 student borrowers live in Oklahoma.
  • 48.3% of them are under the age of 35.
  • 12.1% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 16.7% owe less than $5,000.
  • 20.7% owe $20,000 to $40,000.
  • 1.4% owe more than $200,000.

Student Loan Debt in Oregon

In Oregon, people are a little more likely to have an above average student loan debt.

  • $20.0 billion in student loan debt belongs to state residents.
  • $37,251 is the average student loan debt.
  • 536,900 student borrowers live in Oregon.
  • 48.2% of them are under the age of 35.
  • 12.7% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 14.9% owe less than $5,000.
  • 22.2% owe $20,000 to $40,000.
  • 2.2% owe more than $200,000.

Student Loan Debt in Pennsylvania

Pennsylvanians are more likely to have unpaid student loans, and their average debt is higher.

  • $63.9 billion in student loan debt belongs to state residents.
  • $35,804 is the average student loan debt.
  • 1.78 million student borrowers live in Pennsylvania.
  • 59.0% of them are under the age of 35.
  • 13.7% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 12.7% owe less than $5,000.
  • 23.9% owe $20,000 to $40,000.
  • 2.0% owe more than $200,000.

Student Loan Debt in Puerto Rico

Puerto Rico has the nation’s lowest average student loan debt when territories are included.

  • $9.0 billion in student loan debt belongs to state residents.
  • $27,607 is the average student loan debt.
  • 326,000 student borrowers live in Puerto Rico.
  • 53.6% of them are under the age of 35.
  • 9.9% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 26.8% owe less than $5,000.
  • 16.1% owe $20,000 to $40,000.
  • 1.9% owe more than $200,000.

Student Loan Debt in Rhode Island

In Rhode Island, people are a little more likely to have college debt and owe much less than the national average individual debt.

  • $4.5 billion in student loan debt belongs to state residents.
  • $32,212 is the average student loan debt.
  • 139,700 student borrowers live in Rhode Island.
  • 60.4% of them are under the age of 35.
  • 12.7% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 15.1% owe less than $5,000.
  • 22.9% owe $20,000 to $40,000.
  • 1.9% owe more than $200,000.

Student Loan Debt in South Carolina

South Carolina’s student loan debt is higher per borrower, and its population has a higher proportion of indebted student borrowers.

  • $27.5 billion in student loan debt belongs to state residents.
  • $38,662 is the average student loan debt.
  • 711,300 student borrowers live in South Carolina.
  • 52.7% of them are under the age of 35.
  • 13.9% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 13.1% owe less than $5,000.
  • 22.2% owe $20,000 to $40,000.
  • 2.2% owe more than $200,000.

Student Loan Debt in South Dakota

In South Dakota, people are a little more likely to have student loan debt. They owe much less per borrower, however.

  • $3.6 billion in student loan debt belongs to state residents.
  • $31,858 is the average student loan debt.
  • 113,000 student borrowers live in South Dakota.
  • 60.1% of them are under the age of 35.
  • 12.7% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 14.3% owe less than $5,000.
  • 23.0% owe $20,000 to $40,000.
  • 1.2% owe more than $200,000.

Student Loan Debt in Tennessee

Tennessee residents are slightly less likely to have student loan debt, but their average unpaid balance is higher.

  • $30.8 billion in student loan debt belongs to state residents.
  • $36,549 is the average student loan debt.
  • 842,700 student borrowers live in Tennessee.
  • 52.8% of them are under the age of 35.
  • 12.2% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 14.7% owe less than $5,000.
  • 21.4% owe $20,000 to $40,000.
  • 2.0% owe more than $200,000.

Student Loan Debt in Texas

Texans are less likely to have educational loan debt, and they owe less per borrower.

  • $116.8 billion in student loan debt belongs to state residents.
  • $33,123 is the average student loan debt.
  • 3.53 million student borrowers live in Texas.
  • 53.1% of them are under the age of 35.
  • 12.1% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 15.5% owe less than $5,000.
  • 20.4% owe $20,000 to $40,000.
  • 1.6% owe more than $200,000.

Student Loan Debt in Utah

In Utah, people are much less likely to carry educational loan debt, and they owe less on average.

  • $9.9 billion in student loan debt belongs to state residents.
  • $32,781 is the average student loan debt.
  • 302,000 student borrowers live in Utah.
  • 56.7% of them are under the age of 35.
  • 9.2% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 18.4% owe less than $5,000.
  • 19.9% owe $20,000 to $40,000.
  • 2.0% owe more than $200,000.

Student Loan Debt in Vermont

People in Vermont are less likely to have student loan debt, but they owe a greater average debt per borrower.

  • $2.9 billion in student loan debt belongs to state residents.
  • $38,411 is the average student loan debt.
  • 75,500 student borrowers live in Vermont.
  • 58.0% of them are under the age of 35.
  • 11.7% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 13.1% owe less than $5,000.
  • 24.1% owe $20,000 to $40,000.
  • 2.5% owe more than $200,000.

Student Loan Debt in Virginia

In Virginia, residents are just as likely as anyone to be in debt with student loans, but they owe much more per borrower.

  • $41.9 billion in student loan debt belongs to state residents.
  • $39,472 is the average student loan debt.
  • 1.06 million student borrowers live in Virginia.
  • 54.3% of them are under the age of 35.
  • 12.3% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 12.5% owe less than $5,000.
  • 22.8% owe $20,000 to $40,000.
  • 2.4% owe more than $200,000.

Student Loan Debt in Washington

In Washington, people are less likely to have unpaid educational debt, but the amount the average borrower owes is slightly higher.

  • $27.6 billion in student loan debt belongs to state residents.
  • $35,521 is the average student loan debt.
  • 777,000 student borrowers live in Washington.
  • 50.2% of them are under the age of 35.
  • 10.1% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 15.6% owe less than $5,000.
  • 21.3% owe $20,000 to $40,000.
  • 2.2% owe more than $200,000.

Student Loan Debt in West Virginia

West Virginia’s population has the same proportion of indebted student borrowers as the rest of the country, but the average unpaid debt is much lower.

  • $7.2 billion in student loan debt belongs to state residents.
  • $32,272 is the average student loan debt.
  • 715,800 student borrowers live in West Virginia.
  • 51.4% of them are under the age of 35.
  • 12.4% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 15.4% owe less than $5,000.
  • 23.4% owe $20,000 to $40,000.
  • 1.5% owe more than $200,000.

Student Loan Debt in Wisconsin

Wisconsin’s student debt rates are similar to Wyoming’s, with a slightly smaller proportion of their residents owing much less on average.

  • $23.1 billion in student loan debt belongs to state residents.
  • $32,272 is the average student loan debt.
  • 715,800 student borrowers live in Wisconsin.
  • 58.7% of them are under the age of 35.
  • 12.1% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 15.4% owe less than $5,000.
  • 23.4% owe $20,000 to $40,000.
  • 1.5% owe more than $200,000.

Student Loan Debt in Wyoming

Residents of Wyoming are significantly less likely to have student loan debt than their peers nationwide. Their average unpaid debt is also much lower.

  • $1.6 billion in student loan debt belongs to state residents.
  • $30,246 is the average student loan debt.
  • 52,900 student borrowers live in Wyoming.
  • 49.5% of them are under the age of 35.
  • 9.2% of state residents have student loan debt.
  • Among the state’s indebted student borrowers, 19.3% owe less than $5,000.
  • 20.0% owe $20,000 to $40,000.
  • 1.3% owe more than $200,000.

Sources

  1. U.S. Department of Education (ED) Office of Federal Student Aid (OFSA), Federal Student Loan Portfolio
  2. U.S. Census Bureau, 2020 Census Apportionment Results: Resident Population for the 50 States, the District of Columbia, and Puerto Rico: 2020 Census