🎓 Student Loan Calculator by State — All 50 States
Compare student loan debt, monthly payments, and forgiveness programs across every US state. Click any state for a detailed calculator with repayment plan comparisons.
📈 Highest Average Debt
📉 Lowest Average Debt
💰 Highest Avg Salary
🏠 Lowest Cost of Living
| State ↕ | Avg Debt ↕ | Avg Salary ↕ | Cost Index ↕ | DTI Ratio ↕ |
|---|---|---|---|---|
| Alabama | $37,338 | $46,479 | 87% | 10.5% |
| Alaska | $31,955 | $55,847 | 125% | 7.5% |
| Arizona | $25,409 | $49,810 | 97% | 6.6% |
| Arkansas | $33,452 | $43,150 | 86% | 10.1% |
| California | $22,585 | $62,356 | 142% | 4.7% |
| Colorado | $27,820 | $56,680 | 105% | 6.4% |
| Connecticut | $38,650 | $59,980 | 115% | 8.4% |
| Delaware | $39,750 | $51,150 | 104% | 10.1% |
| Florida | $24,947 | $48,590 | 100% | 6.7% |
| Georgia | $30,984 | $49,620 | 93% | 8.1% |
| Hawaii | $24,554 | $53,200 | 192% | 6.0% |
| Idaho | $28,040 | $44,910 | 93% | 8.1% |
| Illinois | $29,855 | $52,740 | 96% | 7.4% |
| Indiana | $30,340 | $47,150 | 90% | 8.4% |
| Iowa | $30,045 | $47,190 | 90% | 8.3% |
| Kansas | $28,920 | $46,810 | 89% | 8.0% |
| Kentucky | $29,840 | $43,730 | 87% | 8.9% |
| Louisiana | $27,230 | $44,090 | 91% | 8.0% |
| Maine | $32,450 | $47,610 | 101% | 8.9% |
| Maryland | $30,950 | $56,570 | 113% | 7.1% |
| Massachusetts | $33,250 | $62,050 | 130% | 7.0% |
| Michigan | $33,150 | $49,150 | 91% | 8.8% |
| Minnesota | $33,800 | $53,350 | 99% | 8.3% |
| Mississippi | $31,738 | $39,680 | 83% | 10.4% |
| Missouri | $29,290 | $46,770 | 89% | 8.2% |
| Montana | $27,610 | $45,290 | 96% | 7.9% |
| Nebraska | $27,190 | $47,820 | 91% | 7.4% |
| Nevada | $22,960 | $47,870 | 104% | 6.2% |
| New Hampshire | $39,950 | $52,370 | 112% | 9.9% |
| New Jersey | $35,447 | $56,340 | 120% | 8.2% |
| New Mexico | $22,460 | $44,530 | 93% | 6.6% |
| New York | $31,850 | $57,150 | 126% | 7.3% |
| North Carolina | $29,380 | $48,840 | 94% | 7.8% |
| North Dakota | $31,830 | $47,750 | 91% | 8.7% |
| Ohio | $30,730 | $48,120 | 90% | 8.3% |
| Oklahoma | $27,410 | $44,580 | 86% | 8.0% |
| Oregon | $29,790 | $51,150 | 113% | 7.6% |
| Pennsylvania | $39,027 | $51,150 | 98% | 9.9% |
| Rhode Island | $36,500 | $52,540 | 113% | 9.0% |
| South Carolina | $35,490 | $45,230 | 92% | 10.2% |
| South Dakota | $31,250 | $44,050 | 92% | 9.2% |
| Tennessee | $27,000 | $46,350 | 89% | 7.6% |
| Texas | $28,240 | $50,490 | 92% | 7.3% |
| Utah | $19,750 | $48,460 | 100% | 5.3% |
| Vermont | $36,710 | $48,330 | 111% | 9.9% |
| Virginia | $30,390 | $53,030 | 103% | 7.5% |
| Washington | $26,630 | $57,480 | 110% | 6.0% |
| West Virginia | $29,290 | $40,344 | 84% | 9.5% |
| Wisconsin | $31,705 | $49,080 | 93% | 8.4% |
| Wyoming | $24,350 | $48,050 | 95% | 6.6% |