{
  "name": "Federal student loan debt by state benchmark",
  "description": "State-level benchmark table used by DegreeCalc's 2026 average student loan debt guide. Figures summarize average federal student loan debt per borrower, total debt, and borrower count by location.",
  "created_at": "2026-05-17",
  "source_period": "2025 FSA portfolio benchmark",
  "source_urls": [
    "https://educationdata.org/student-loan-debt-by-state",
    "https://studentaid.gov/data-center"
  ],
  "fields": [
    "state",
    "postal_code",
    "average_borrower_debt_usd",
    "total_debt_billions",
    "borrowers"
  ],
  "records": [
    { "state": "Alabama", "postal_code": "AL", "average_borrower_debt_usd": 37819, "total_debt_billions": 24.9, "borrowers": 658400 },
    { "state": "Alaska", "postal_code": "AK", "average_borrower_debt_usd": 35874, "total_debt_billions": 2.4, "borrowers": 66900 },
    { "state": "Arizona", "postal_code": "AZ", "average_borrower_debt_usd": 35792, "total_debt_billions": 32.9, "borrowers": 919200 },
    { "state": "Arkansas", "postal_code": "AR", "average_borrower_debt_usd": 34024, "total_debt_billions": 13.8, "borrowers": 405600 },
    { "state": "California", "postal_code": "CA", "average_borrower_debt_usd": 38300, "total_debt_billions": 151.5, "borrowers": 3955600 },
    { "state": "Colorado", "postal_code": "CO", "average_borrower_debt_usd": 37393, "total_debt_billions": 29.2, "borrowers": 780900 },
    { "state": "Connecticut", "postal_code": "CT", "average_borrower_debt_usd": 36837, "total_debt_billions": 19.1, "borrowers": 518500 },
    { "state": "Delaware", "postal_code": "DE", "average_borrower_debt_usd": 38856, "total_debt_billions": 5.3, "borrowers": 136400 },
    { "state": "District of Columbia", "postal_code": "DC", "average_borrower_debt_usd": 54561, "total_debt_billions": 6.4, "borrowers": 117300 },
    { "state": "Florida", "postal_code": "FL", "average_borrower_debt_usd": 39574, "total_debt_billions": 108.1, "borrowers": 2731600 },
    { "state": "Georgia", "postal_code": "GA", "average_borrower_debt_usd": 42226, "total_debt_billions": 71.7, "borrowers": 1698000 },
    { "state": "Hawaii", "postal_code": "HI", "average_borrower_debt_usd": 38929, "total_debt_billions": 4.8, "borrowers": 123300 },
    { "state": "Idaho", "postal_code": "ID", "average_borrower_debt_usd": 33621, "total_debt_billions": 7.4, "borrowers": 220100 },
    { "state": "Illinois", "postal_code": "IL", "average_borrower_debt_usd": 39042, "total_debt_billions": 63.4, "borrowers": 1623900 },
    { "state": "Indiana", "postal_code": "IN", "average_borrower_debt_usd": 33234, "total_debt_billions": 30.1, "borrowers": 905700 },
    { "state": "Iowa", "postal_code": "IA", "average_borrower_debt_usd": 30698, "total_debt_billions": 13.2, "borrowers": 430000 },
    { "state": "Kansas", "postal_code": "KS", "average_borrower_debt_usd": 33031, "total_debt_billions": 12.7, "borrowers": 384700 },
    { "state": "Kentucky", "postal_code": "KY", "average_borrower_debt_usd": 33691, "total_debt_billions": 20.7, "borrowers": 614400 },
    { "state": "Louisiana", "postal_code": "LA", "average_borrower_debt_usd": 34821, "total_debt_billions": 23.8, "borrowers": 683500 },
    { "state": "Maine", "postal_code": "ME", "average_borrower_debt_usd": 34355, "total_debt_billions": 6.5, "borrowers": 189200 },
    { "state": "Maryland", "postal_code": "MD", "average_borrower_debt_usd": 43781, "total_debt_billions": 37.1, "borrowers": 847400 },
    { "state": "Massachusetts", "postal_code": "MA", "average_borrower_debt_usd": 35400, "total_debt_billions": 32.6, "borrowers": 920900 },
    { "state": "Michigan", "postal_code": "MI", "average_borrower_debt_usd": 36973, "total_debt_billions": 51.6, "borrowers": 1395600 },
    { "state": "Minnesota", "postal_code": "MN", "average_borrower_debt_usd": 34163, "total_debt_billions": 26.9, "borrowers": 787400 },
    { "state": "Mississippi", "postal_code": "MS", "average_borrower_debt_usd": 37552, "total_debt_billions": 17.0, "borrowers": 452700 },
    { "state": "Missouri", "postal_code": "MO", "average_borrower_debt_usd": 35650, "total_debt_billions": 29.7, "borrowers": 833100 },
    { "state": "Montana", "postal_code": "MT", "average_borrower_debt_usd": 33215, "total_debt_billions": 4.4, "borrowers": 128600 },
    { "state": "Nebraska", "postal_code": "NE", "average_borrower_debt_usd": 32206, "total_debt_billions": 8.0, "borrowers": 248400 },
    { "state": "Nevada", "postal_code": "NV", "average_borrower_debt_usd": 34756, "total_debt_billions": 12.7, "borrowers": 365400 },
    { "state": "New Hampshire", "postal_code": "NH", "average_borrower_debt_usd": 34860, "total_debt_billions": 6.7, "borrowers": 192200 },
    { "state": "New Jersey", "postal_code": "NJ", "average_borrower_debt_usd": 37287, "total_debt_billions": 46.5, "borrowers": 1247100 },
    { "state": "New Mexico", "postal_code": "NM", "average_borrower_debt_usd": 34246, "total_debt_billions": 7.8, "borrowers": 227700 },
    { "state": "New York", "postal_code": "NY", "average_borrower_debt_usd": 38751, "total_debt_billions": 96.3, "borrowers": 2485100 },
    { "state": "North Carolina", "postal_code": "NC", "average_borrower_debt_usd": 38929, "total_debt_billions": 53.5, "borrowers": 1374300 },
    { "state": "North Dakota", "postal_code": "ND", "average_borrower_debt_usd": 29115, "total_debt_billions": 2.6, "borrowers": 89300 },
    { "state": "Ohio", "postal_code": "OH", "average_borrower_debt_usd": 35072, "total_debt_billions": 62.6, "borrowers": 1784900 },
    { "state": "Oklahoma", "postal_code": "OK", "average_borrower_debt_usd": 32245, "total_debt_billions": 16.4, "borrowers": 508600 },
    { "state": "Oregon", "postal_code": "OR", "average_borrower_debt_usd": 38036, "total_debt_billions": 20.3, "borrowers": 533700 },
    { "state": "Pennsylvania", "postal_code": "PA", "average_borrower_debt_usd": 36120, "total_debt_billions": 67.4, "borrowers": 1866000 },
    { "state": "Puerto Rico", "postal_code": "PR", "average_borrower_debt_usd": 32239, "total_debt_billions": 10.8, "borrowers": 335000 },
    { "state": "Rhode Island", "postal_code": "RI", "average_borrower_debt_usd": 33400, "total_debt_billions": 5.0, "borrowers": 149700 },
    { "state": "South Carolina", "postal_code": "SC", "average_borrower_debt_usd": 38715, "total_debt_billions": 30.0, "borrowers": 774900 },
    { "state": "South Dakota", "postal_code": "SD", "average_borrower_debt_usd": 31171, "total_debt_billions": 3.7, "borrowers": 118700 },
    { "state": "Tennessee", "postal_code": "TN", "average_borrower_debt_usd": 37054, "total_debt_billions": 33.1, "borrowers": 893300 },
    { "state": "Texas", "postal_code": "TX", "average_borrower_debt_usd": 33770, "total_debt_billions": 131.9, "borrowers": 3905800 },
    { "state": "Utah", "postal_code": "UT", "average_borrower_debt_usd": 33872, "total_debt_billions": 10.9, "borrowers": 321800 },
    { "state": "Vermont", "postal_code": "VT", "average_borrower_debt_usd": 37760, "total_debt_billions": 2.9, "borrowers": 76800 },
    { "state": "Virginia", "postal_code": "VA", "average_borrower_debt_usd": 40287, "total_debt_billions": 44.3, "borrowers": 1099600 },
    { "state": "Washington", "postal_code": "WA", "average_borrower_debt_usd": 36709, "total_debt_billions": 29.0, "borrowers": 790000 },
    { "state": "West Virginia", "postal_code": "WV", "average_borrower_debt_usd": 32343, "total_debt_billions": 7.4, "borrowers": 228800 },
    { "state": "Wisconsin", "postal_code": "WI", "average_borrower_debt_usd": 32619, "total_debt_billions": 23.6, "borrowers": 723500 },
    { "state": "Wyoming", "postal_code": "WY", "average_borrower_debt_usd": 30631, "total_debt_billions": 1.7, "borrowers": 55500 }
  ]
}