Free Top 10 U.S. States with the Highest Student Loan Repayment Time (2015-2025) Chart
The chart displays the top 10 U.S. states with the highest average student loan repayment times from 2015 to 2025, underscoring long-term financial strain among borrowers. Connecticut leads with an average repayment period of 22 years, the longest in the nation, reflecting both high tuition costs and slow wage growth relative to debt size. Maryland follows at 21 years, influenced by elevated living expenses and graduate-level borrowing patterns. Washington, D.C., ranks third at 20 years, where professional degrees contribute to high balances despite above-average incomes. New Hampshire shows a 19-year repayment average, consistent with its steep college costs and reliance on private loans. California and New York both record repayment times between 17–18 years, suggesting strong income potential but persistent housing and living cost pressures that delay payoff. Virginia and Massachusetts follow closely with 15–16 years, while Rhode Island and New Jersey report the shortest spans among the top ten—14 and 13 years, respectively—due to smaller loan sizes and targeted repayment programs. Overall, the chart reveals that states with higher education costs or elevated living expenses often experience extended repayment durations, signaling the continuing challenge of student debt sustainability across the U.S. through 2025.
| Labels |
Average Repayment Time (2015-2025) |
| Connecticut | 22 |
| Maryland | 21 |
| Washington, D.C. | 20 |
| New Hampshire | 19 |
| California | 18 |
| New York | 17 |
| Virginia | 16 |
| Massachusetts | 15 |
| Rhode Island | 14 |
| New Jersey | 13 |
