Here’s How Many People Are Behind on Student Loan Payments in Every State

Nicole Spector

31 May 2024 at 7:01 am·8-min read

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.

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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.

States are listed in order of the least amount of student debt to the highest — see what percentage of people are behind in each state.

Wyoming

Average student loan debt: $29,809
Change from U.S. average: -31.6%
Borrower delinquency rate: 6.6%

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West Virginia

Average student loan debt: $33,856
Change from U.S. average: -22.3%
Borrower delinquency rate: 11.0%

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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%

EJJohnsonPhotography / Getty Images/iStockphoto

Maine

Average student loan debt: $35,727
Change from U.S. average: -18.0%
Borrower delinquency rate: 5.9%

ElFlacodelNorte / Getty Images/iStockphoto

New Mexico

Average student loan debt: $37,580
Change from U.S. average: -13.7%
Borrower delinquency rate: 8.7%

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Minnesota

Average student loan debt: $37,651
Change from U.S. average: -13.6%
Borrower delinquency rate: 5.8%

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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%

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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%

Jacob Boomsma / Getty Images/iStockphoto

Alaska

Average student loan debt: $39,912
Change from U.S. average: -8.4%
Borrower delinquency rate: 6.9%

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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%

DenisTangneyJr / Getty Images/iStockphoto

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%

Ralph Navarro / Getty Images/iStockphoto

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%

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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%

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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%

Greg Johnston / Getty Images/iStockphoto

Idaho

Average student loan debt: $43,094
Change from U.S. average: -1.1%
Borrower delinquency rate: 6.5%

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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%

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Michigan

Average student loan debt: $44,296
Change from U.S. average: 1.7%
Borrower delinquency rate: 7.9%

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Jonathan Ross / Getty Images/iStockphoto

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%

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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%

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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%

More From GOBankingRates

This article originally appeared on GOBankingRates.com: Here’s How Many People Are Behind on Student Loan Payments in Every State

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