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Here’s How Many People Are Behind on Student Loan Payments in Every State
Written by
Nicole Spector
Edited by
Molly Sullivan

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Millions of Americans are living in the clutches of student loan debt, which, according to LendingTree, now totals $1.77 trillion. Though this is a national crisis that knows no boundaries, some states are in more troubling places with this outstanding debt than others.
LendingTree took a deep look into the numbers and found that student debt loads vary significantly from state to state. Here’s its state-by-state breakdown of the student loan debt phenomenon which looked at the total borrowers, the average debt, respectively, the percent change from the U.S. average, and the borrower delinquency rate.
Wyoming
- Average student loan debt: $29,809
- Change from U.S. average: -31.6%
- Borrower delinquency rate: 6.6%
West Virginia
- Average student loan debt: $33,856
- Change from U.S. average: -22.3%
- Borrower delinquency rate: 11.0%
South Dakota
- Average student loan debt: $34,052
- Change from U.S. average: -21.8%
- Borrower delinquency rate: 5.3%
Nebraska
- Average student loan debt: $35,727
- Change from U.S. average: -18.0%
- Borrower delinquency rate: 4.8%
Maine
- Average student loan debt: $35,727
- Change from U.S. average: -18.0%
- Borrower delinquency rate: 5.9%
New Mexico
- Average student loan debt: $37,580
- Change from U.S. average: -13.7%
- Borrower delinquency rate: 8.7%
Minnesota
- Average student loan debt: $37,651
- Change from U.S. average: -13.6%
- Borrower delinquency rate: 5.8%
Utah
- Average student loan debt: $37,661
- Change from U.S. average: -13.6%
- Borrower delinquency rate: 5.8%
North Dakota
- Average student loan debt: $38,665
- Change from U.S. average: -11.3%
- Borrower delinquency rate: 5.0%
Vermont
- Average student loan debt: $39,330
- Change from U.S. average: -9.7%
- Borrower delinquency rate: 5.0%
Oklahoma
- Average student loan debt: $39,455
- Change from U.S. average: -9.4%
- Borrower delinquency rate: 9.6%
Kansas
- Average student loan debt: $39,460
- Change from U.S. average: -9.4%
- Borrower delinquency rate: 7.7%
Montana
- Average student loan debt: $39,645
- Change from U.S. average: -9.0%
- Borrower delinquency rate: 5.6%
Indiana
- Average student loan debt: $39,907
- Change from U.S. average: -8.4%
- Borrower delinquency rate: 9.4%
Alaska
- Average student loan debt: $39,912
- Change from U.S. average: -8.4%
- Borrower delinquency rate: 6.9%
Wisconsin
- Average student loan debt: $40,096
- Change from U.S. average: -8.0%
- Borrower delinquency rate: 6.0%
Hawaii
- Average student loan debt: $40,263
- Change from U.S. average: -7.6%
- Borrower delinquency rate: 7.7%
Louisiana
- Average student loan debt: $40,696
- Change from U.S. average: -6.6%
- Borrower delinquency rate: 9.3%
Nevada
- Average student loan debt: $40,747
- Change from U.S. average: -6.5%
- Borrower delinquency rate: 9.8%
California
- Average student loan debt: $40,945
- Change from U.S. average: -6.0%
- Borrower delinquency rate: 7.1%
Texas
- Average student loan debt: $41,299
- Change from U.S. average: -5.2%
- Borrower delinquency rate: 8.5%
Ohio
- Average student loan debt: $41,552
- Change from U.S. average: -4.6%
- Borrower delinquency rate: 6.8%
Arizona
- Average student loan debt: $41,597
- Change from U.S. average: -4.5%
- Borrower delinquency rate: 8.7%
Iowa
- Average student loan debt: $41,599
- Change from U.S. average: -4.5%
- Borrower delinquency rate: 7.6%
Washington
- Average student loan debt: $42,201
- Change from U.S. average: -3.1%
- Borrower delinquency rate: 6.3%
Pennsylvania
- Average student loan debt: $42,243
- Change from U.S. average: -3.0%
- Borrower delinquency rate: 7.2%
Oregon
- Average student loan debt: $42,332
- Change from U.S. average: -2.8%
- Borrower delinquency rate: 8.3%
Massachusetts
- Average student loan debt: $42,582
- Change from U.S. average: -2.3%
- Borrower delinquency rate: 4.9%
Arkansas
- Average student loan debt: $42,673
- Change from U.S. average: -2.1%
- Borrower delinquency rate: 9.0%
Missouri
- Average student loan debt: $42,937
- Change from U.S. average:-1.5%
- Borrower delinquency rate: 8.1%
Idaho
- Average student loan debt: $43,094
- Change from U.S. average: -1.1%
- Borrower delinquency rate: 6.5%
Colorado
- Average student loan debt: $43,157
- Change from U.S. average: -0.9%
- Borrower delinquency rate: 7.0%
Rhode Island
- Average student loan debt: $43,336
- Change from U.S. average: -0.5%
- Borrower delinquency rate: 6.1%
Connecticut
- Average student loan debt: $43,840
- Change from U.S. average: 0.6%
- Borrower delinquency rate: 6.3%
Kentucky
- Average student loan debt: $43,840
- Change from U.S. average: 0.6%
- Borrower delinquency rate: 10%
Michigan
- Average student loan debt: $44,296
- Change from U.S. average: 1.7%
- Borrower delinquency rate: 7.9%
Tennessee
- Average student loan debt: $44,549
- Change from U.S. average: 2.2%
- Borrower delinquency rate: 9.0%
New Jersey
- Average student loan debt: $45,153
- Change from U.S. average: 3.6%
- Borrower delinquency rate: 5.8%
South Carolina
- Average student loan debt: $45,619
- Change from U.S. average: 4.7%
- Borrower delinquency rate: 9.1%
North Carolina
- Average student loan debt: $45,680
- Change from U.S. average: 4.8%
- Borrower delinquency rate: 8.0%
New York
- Average student loan debt: $45,933
- Change from U.S. average: 5.4%
- Borrower delinquency rate: 4.9%
Mississippi
- Average student loan debt: $45,940
- Change from U.S. average: 5.4%
- Borrower delinquency rate: 10.7%
Illinois
- Average student loan debt: $46,575
- Change from U.S. average: 6.9%
- Borrower delinquency rate: 6.7%
New Hampshire
- Average student loan debt: $47,072
- Change from U.S. average: 8.0%
- Borrower delinquency rate: 4.8%
Virginia
- Average student loan debt: $47,507
- Change from U.S. average: 9.0%
- Borrower delinquency rate: 6.4%
Alabama
- Average student loan debt: $47,612
- Change from U.S. average: 9.3%
- Borrower delinquency rate: 9.5%
Delaware
- Average student loan debt: $48,863
- Change from U.S. average: 12.1%
- Borrower delinquency rate: 6.8%
Florida
- Average student loan debt: $50,005
- Change from U.S. average: 14.8%
- Borrower delinquency rate: 8.2%
Georgia
- Average student loan debt: $50,390
- Change from U.S. average: 15.7%
- Borrower delinquency rate: 9.4%
Maryland
- Average student loan debt: $53,141
- Change from U.S. average: 22.0%
- Borrower delinquency rate: 6.8%
District of Columbia (D.C.)
- Average student loan debt: $60,037
- Change from U.S. average: 37.8%
- Borrower delinquency rate: 7.8%
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