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Law School Costs

Tip On the left panelAt the top of the page, you can change the data scope to view student loan burden from different angles.

Debt-to-income ratio based on monthly loan obligations (rather than total debt) provides another way to assess student loan burden. According to the Consumer Financial Protection Bureau (CFPB), this debt service ratio "is one way lenders measure your ability to manage the monthly payments to repay the money you plan to borrow." Banks will consider, for example, what percentage of monthly pre-tax income goes to debt service in deciding whether to issue a mortgage. Beyond student loans, lenders look to any outstanding debt, e.g. bar loans, consumer debt, child support, or alimony. When your monthly debt obligations (including the prospective mortgage) exceed 43% of your monthly income, mortgage approval will be more difficult and the bank will be subject to additional regulations. According to Investopedia, if your percentage is above 43%, the "lender will likely deny the loan application because your monthly expenses for housing and various debts are too high as compared to your income."

A large monthly student loan payment impairs quality of life, although the debt service will decrease over time if the graduate's income increases and they make their full loan payment each month.

According to 2015 and 2016 graduate data from the U.S. Department of Education, law schools range from 10.7% to 78.7% on the debt service ratio using the standard term for federal student loans of 10 years. The median school's median borrower pays $1276 per month on a ten-year plan, which is 29% of pre-tax monthly income for the median earner at that school.

Highs and Lows

Graduates may also opt for an extended repayment plan with a 25-year loan term. While the median graduate at the median law school ($109,510 total borrowed) owes $1276 per month on the 10-year plan, they owe $780 per month on the 25-year plan. This amounts to 17.8% of pre-tax monthly income. While this may make a difference in creditworthiness, and will certainly improve quality of life, they will pay significantly more interest over the term. Under the 10-year plan, they will pay $43,613. Under the 25-year plan, they will pay $124,368. See caveats and assumptions here.

The federal government does, however, provide hardship programs to lessen the burden of monthly student loan obligations for those in financial hardship. The graduate at every ABA-approved law school who makes the median earnings with the median amount borrowed qualifies for Revised Pay As Your Earn ("REPAYE"), one of these programs.

Pre-Tax Income$52,800
Discretionary Income$34,980
Monthly REPAYE Payment$292
Standard Payment$1824
$924 / $900interest / principal

The government defines financial hardship under REPAYE (and other hardship programs) as a debt service ratio above 10%, although it calculates this ratio using pre-tax discretionary income. Discretionary income is income minus 150% of the poverty rate for the person's household size, which was $11,880 in 2016 (the relevant cohort period) for a single person. Borrowers then pay 10% of discretionary income each month. In other words, a borrower owes $0 unless they earn at least $17,820 no matter how large their loan balance. Whether to utilize REPAYE or other plans is complicated; it is not a matter of qualification or which payment is least.

Under the 10- or 25-year plan, the full monthly payment covers all interest due on the loan. But someone on REPAYE may not cover the interest payment, causing the outstanding balance to grow. Instead of growing by the full amount of unpaid interest, the government covers 50% of the unpaid interest, thus the outstanding balances will grow by the remainder. On the table below, the 2nd and 3rd rightmost columns include the REPAYE payment and the portion of the first payment (standard and extended) that is interest. If the values are in red, the REPAYE payment is less than the interest payment, i.e. the overall loan balance will grow unless the borrower pays more than the REPAYE payment. The graduate at 91.4% of law schools who makes the median earnings with the median amount borrowed cannot cover the interest with the REPAYE payment. If they want to do so and avoid an increased balance, they need to opt into government-defined financial hardship and pay more than the REPAYE amount.

The last column calculates the income necessary to devote 10% or 20% of pre-tax income to servicing student loans.

Debt Service Table

School Median Borrowed Median Earnings Debt Service Ratio REPAYE Payment Interest1st Payment Salary for Full Service10% / 20% of Earnings
Albany Law School NY $110,549$1,288/mon, 10 years $53,900 28.7% $301 $652 $154,560 / $77,280 
American University DC $177,226$2,065/mon, 10 years $55,300 44.8% $312 $1,046 $247,800 / $123,900 
Appalachian School of Law VA $117,964$1,375/mon, 10 years $31,500 52.4% $114 $696 $165,000 / $82,500 
Arizona State University AZ $94,325$1,099/mon, 10 years $56,800 23.2% $325 $557 $131,880 / $65,940 
Arizona Summit Law School AZ $188,191$2,193/mon, 10 years $45,200 58.2% $228 $1,110 $263,160 / $131,580 
Ave Maria School of Law FL $158,206$1,843/mon, 10 years $40,700 54.3% $191 $933 $221,160 / $110,580 
Barry University FL $168,309$1,961/mon, 10 years $36,200 65% $153 $993 $235,320 / $117,660 
Baylor University TX $91,401$1,065/mon, 10 years $66,800 19.1% $408 $539 $127,800 / $63,900 
Belmont University TN $120,498$1,404/mon, 10 years $51,400 32.8% $280 $711 $168,480 / $84,240 
Boston College MA $100,594$1,172/mon, 10 years $88,300 15.9% $587 $594 $140,640 / $70,320 
Boston University MA $110,891$1,292/mon, 10 years $81,200 19.1% $528 $654 $155,040 / $77,520 
Brigham Young University UT $51,250$597/mon, 10 years $56,200 12.7% $320 $302 $71,640 / $35,820 
Brooklyn Law School NY $119,909$1,397/mon, 10 years $66,100 25.4% $402 $707 $167,640 / $83,820 
California Western School of Law CA $147,095$1,714/mon, 10 years $47,500 43.3% $247 $868 $205,680 / $102,840 
Campbell University NC $144,330$1,682/mon, 10 years $43,000 46.9% $210 $852 $201,840 / $100,920 
Capital University OH $129,089$1,504/mon, 10 years $45,800 39.4% $233 $762 $180,480 / $90,240 
Cardozo-Yeshiva University NY $111,031$1,294/mon, 10 years $66,000 23.5% $402 $655 $155,280 / $77,640 
Case Western Reserve University OH $82,570$962/mon, 10 years $50,000 23.1% $268 $487 $115,440 / $57,720 
Catholic University of America DC $142,868$1,665/mon, 10 years $58,900 33.9% $342 $843 $199,800 / $99,900 
Chapman University CA $148,852$1,734/mon, 10 years $57,100 36.4% $327 $878 $208,080 / $104,040 
Charleston School of Law SC $154,378$1,799/mon, 10 years $42,700 50.6% $207 $911 $215,880 / $107,940 
Charlotte School of Law NC $188,985$2,202/mon, 10 years $37,000 71.4% $160 $1,115 $264,240 / $132,120 
Chicago-Kent College of Law IL $104,921$1,223/mon, 10 years $59,300 24.7% $346 $619 $146,760 / $73,380 
Cleveland-Marshall College of Law OH $83,868$977/mon, 10 years $49,800 23.5% $267 $495 $117,240 / $58,620 
Columbia University NY $165,314$1,926/mon, 10 years $180,300 12.8% $1,354 $975 $231,120 / $115,560 
Concordia University School of Law ID $93,755$1,092/mon, 10 years $54,500 24% $306 $553 $131,040 / $65,520 
Cornell University NY $153,937$1,794/mon, 10 years $175,200 12.3% $1,312 $908 $215,280 / $107,640 
Creighton University NE $132,800$1,547/mon, 10 years $47,700 38.9% $249 $784 $185,640 / $92,820 
CUNY NY $78,224$911/mon, 10 years $54,800 19.9% $308 $462 $109,320 / $54,660 
DePaul University IL $132,803$1,547/mon, 10 years $52,200 35.6% $287 $784 $185,640 / $92,820 
Drake University IA $116,863$1,362/mon, 10 years $52,200 31.3% $287 $689 $163,440 / $81,720 
Drexel University PA $87,864$1,024/mon, 10 years $49,800 24.7% $267 $518 $122,880 / $61,440 
Duke University NC $138,000$1,608/mon, 10 years $162,200 11.9% $1,203 $814 $192,960 / $96,480 
Duquesne University PA $84,428$984/mon, 10 years $50,600 23.3% $273 $498 $118,080 / $59,040 
Elon Law School NC $160,285$1,868/mon, 10 years $37,900 59.1% $167 $946 $224,160 / $112,080 
Emory University GA $131,738$1,535/mon, 10 years $66,800 27.6% $408 $777 $184,200 / $92,100 
Florida A&M University FL $105,703$1,232/mon, 10 years $39,300 37.6% $179 $624 $147,840 / $73,920 
Florida Coastal School of Law FL $198,655$2,315/mon, 10 years $35,300 78.7% $146 $1,172 $277,800 / $138,900 
Florida International University FL $104,971$1,223/mon, 10 years $48,600 30.2% $257 $619 $146,760 / $73,380 
Florida State University FL $81,159$946/mon, 10 years $47,000 24.2% $243 $479 $113,520 / $56,760 
Fordham University NY $151,250$1,762/mon, 10 years $99,000 21.4% $677 $892 $211,440 / $105,720 
George Mason University VA $114,383$1,333/mon, 10 years $66,900 23.9% $409 $675 $159,960 / $79,980 
George Washington University DC $163,300$1,903/mon, 10 years $74,300 30.7% $471 $963 $228,360 / $114,180 
Georgetown University DC $163,688$1,907/mon, 10 years $105,000 21.8% $727 $966 $228,840 / $114,420 
Georgia State University GA $69,200$806/mon, 10 years $62,400 15.5% $372 $408 $96,720 / $48,360 
Golden Gate University CA $166,264$1,937/mon, 10 years $39,200 59.3% $178 $981 $232,440 / $116,220 
Gonzaga University WA $109,362$1,274/mon, 10 years $50,200 30.5% $270 $645 $152,880 / $76,440 
Harvard University MA $133,617$1,557/mon, 10 years $158,200 11.8% $1,170 $788 $186,840 / $93,420 
Hofstra University NY $148,342$1,728/mon, 10 years $55,000 37.7% $310 $875 $207,360 / $103,680 
Howard University DC $156,563$1,824/mon, 10 years $52,800 41.5% $292 $924 $218,880 / $109,440 
Indiana University - Bloomington IN $85,162$992/mon, 10 years $55,100 21.6% $311 $502 $119,040 / $59,520 
Indiana University - Indianapolis IN $109,422$1,275/mon, 10 years $54,100 28.3% $302 $646 $153,000 / $76,500 
Inter American University PR $99,403$1,158/mon, 10 years $25,900 53.7% $67 $586 $138,960 / $69,480 
John Marshall Law School - Atlanta GA $177,854$2,072/mon, 10 years $38,700 64.2% $174 $1,049 $248,640 / $124,320 
Lewis and Clark College OR $134,180$1,563/mon, 10 years $48,700 38.5% $257 $792 $187,560 / $93,780 
Liberty University VA $71,534$834/mon, 10 years $36,200 27.6% $153 $422 $100,080 / $50,040 
Lincoln Memorial University TN $91,323$1,064/mon, 10 years $26,400 48.4% $72 $539 $127,680 / $63,840 
Louisiana State University LA $71,422$832/mon, 10 years $50,600 19.7% $273 $421 $99,840 / $49,920 
Loyola Marymount University CA $144,200$1,680/mon, 10 years $63,700 31.6% $382 $851 $201,600 / $100,800 
Loyola University Chicago IL $141,244$1,646/mon, 10 years $64,400 30.7% $388 $833 $197,520 / $98,760 
Loyola University New Orleans LA $130,522$1,521/mon, 10 years $41,800 43.7% $200 $770 $182,520 / $91,260 
Marquette University WI $154,154$1,796/mon, 10 years $53,100 40.6% $294 $910 $215,520 / $107,760 
Mercer University GA $140,818$1,641/mon, 10 years $46,200 42.6% $237 $831 $196,920 / $98,460 
Michigan State University MI $90,674$1,057/mon, 10 years $51,700 24.5% $282 $535 $126,840 / $63,420 
Mississippi College MS $128,722$1,500/mon, 10 years $42,300 42.6% $204 $759 $180,000 / $90,000 
Mitchell Hamline School of Law MN $64,429$751/mon, 10 years $53,200 16.9% $295 $380 $90,120 / $45,060 
New England School of Law MA $109,422$1,275/mon, 10 years $50,000 30.6% $268 $646 $153,000 / $76,500 
New York Law School NY $167,078$1,947/mon, 10 years $59,300 39.4% $346 $986 $233,640 / $116,820 
New York University NY $183,857$2,142/mon, 10 years $175,800 14.6% $1,317 $1,085 $257,040 / $128,520 
North Carolina Central University NC $94,358$1,099/mon, 10 years $38,200 34.5% $170 $557 $131,880 / $65,940 
Northeastern University MA $107,082$1,248/mon, 10 years $51,600 29% $282 $632 $149,760 / $74,880 
Northern Illinois University IL $83,660$975/mon, 10 years $45,200 25.9% $228 $494 $117,000 / $58,500 
Northern Kentucky University KY $79,951$932/mon, 10 years $46,700 23.9% $241 $472 $111,840 / $55,920 
Northwestern University IL $156,418$1,823/mon, 10 years $171,900 12.7% $1,284 $923 $218,760 / $109,380 
Nova Southeastern University FL $161,219$1,879/mon, 10 years $52,100 43.3% $286 $951 $225,480 / $112,740 
Ohio Northern University OH $100,224$1,168/mon, 10 years $39,800 35.2% $183 $591 $140,160 / $70,080 
Ohio State University OH $97,238$1,133/mon, 10 years $58,100 23.4% $336 $574 $135,960 / $67,980 
Oklahoma City University OK $132,586$1,545/mon, 10 years $42,900 43.2% $209 $782 $185,400 / $92,700 
Pace University NY $102,821$1,198/mon, 10 years $60,700 23.7% $357 $607 $143,760 / $71,880 
Pennsylvania State University - Dickinson Law PA $96,321$1,122/mon, 10 years $48,200 27.9% $253 $568 $134,640 / $67,320 
Pennsylvania State University - Penn State Law PA $96,321$1,122/mon, 10 years $48,200 27.9% $253 $568 $134,640 / $67,320 
Pepperdine University CA $161,300$1,879/mon, 10 years $61,400 36.7% $363 $952 $225,480 / $112,740 
Pontifical Catholic University of Puerto Rico PR $97,269$1,133/mon, 10 years $19,100 71.2% $11 $574 $135,960 / $67,980 
Quinnipiac University CT $82,000$955/mon, 10 years $54,300 21.1% $304 $484 $114,600 / $57,300 
Regent University VA $118,275$1,378/mon, 10 years $45,200 36.6% $228 $698 $165,360 / $82,680 
Roger Williams University RI $123,384$1,438/mon, 10 years $47,300 36.5% $246 $728 $172,560 / $86,280 
Rutgers University NJ $82,000$955/mon, 10 years $53,000 21.6% $293 $484 $114,600 / $57,300 
Samford University AL $135,438$1,578/mon, 10 years $44,800 42.3% $225 $799 $189,360 / $94,680 
Santa Clara University CA $160,558$1,871/mon, 10 years $66,200 33.9% $403 $947 $224,520 / $112,260 
Seattle University WA $155,575$1,813/mon, 10 years $52,600 41.4% $290 $918 $217,560 / $108,780 
Seton Hall University NJ $126,050$1,469/mon, 10 years $55,200 31.9% $312 $744 $176,280 / $88,140 
South Texas College of Law Houston TX $132,415$1,543/mon, 10 years $56,900 32.5% $326 $781 $185,160 / $92,580 
Southern Illinois University IL $98,215$1,144/mon, 10 years $44,800 30.6% $225 $579 $137,280 / $68,640 
Southern Methodist University TX $134,484$1,567/mon, 10 years $75,600 24.9% $482 $793 $188,040 / $94,020 
Southern University Law Center LA $95,437$1,112/mon, 10 years $36,800 36.3% $158 $563 $133,440 / $66,720 
Southwestern Law School CA $193,653$2,256/mon, 10 years $45,000 60.2% $227 $1,143 $270,720 / $135,360 
St. John's University NY $112,662$1,313/mon, 10 years $65,900 23.9% $401 $665 $157,560 / $78,780 
St. Louis University MO $106,638$1,243/mon, 10 years $52,200 28.6% $287 $629 $149,160 / $74,580 
St. Mary's University TX $102,500$1,194/mon, 10 years $46,600 30.7% $240 $605 $143,280 / $71,640 
St. Thomas University - Florida FL $149,322$1,740/mon, 10 years $39,100 53.4% $177 $881 $208,800 / $104,400 
Stanford University CA $120,410$1,403/mon, 10 years $156,700 10.7% $1,157 $710 $168,360 / $84,180 
Stetson University FL $137,217$1,599/mon, 10 years $49,300 38.9% $262 $810 $191,880 / $95,940 
Suffolk University MA $129,384$1,508/mon, 10 years $52,900 34.2% $292 $763 $180,960 / $90,480 
SUNY Buffalo NY $90,928$1,060/mon, 10 years $52,100 24.4% $286 $536 $127,200 / $63,600 
Syracuse University NY $106,000$1,235/mon, 10 years $57,000 26% $327 $625 $148,200 / $74,100 
Temple University PA $69,583$811/mon, 10 years $61,300 15.9% $362 $411 $97,320 / $48,660 
Texas A&M TX $119,803$1,396/mon, 10 years $53,800 31.1% $300 $707 $167,520 / $83,760 
Texas Southern University TX $117,935$1,374/mon, 10 years $37,200 44.3% $162 $696 $164,880 / $82,440 
Texas Tech University TX $70,006$816/mon, 10 years $60,200 16.3% $353 $413 $97,920 / $48,960 
Thomas Jefferson School of Law CA $195,892$2,283/mon, 10 years $37,400 73.3% $163 $1,156 $273,960 / $136,980 
Thomas M Cooley Law School MI $162,011$1,888/mon, 10 years $36,000 62.9% $152 $956 $226,560 / $113,280 
Touro College NY $150,767$1,757/mon, 10 years $55,800 37.8% $317 $890 $210,840 / $105,420 
Tulane University LA $122,886$1,432/mon, 10 years $56,800 30.3% $325 $725 $171,840 / $85,920 
University of Akron OH $73,756$859/mon, 10 years $42,200 24.4% $203 $435 $103,080 / $51,540 
University of Alabama AL $68,992$804/mon, 10 years $51,900 18.6% $284 $407 $96,480 / $48,240 
University of Arizona AZ $81,178$946/mon, 10 years $52,900 21.5% $292 $479 $113,520 / $56,760 
University of Arkansas - Fayetteville AR $61,500$717/mon, 10 years $51,700 16.6% $282 $363 $86,040 / $43,020 
University of Arkansas - Little Rock AR $77,208$900/mon, 10 years $46,800 23.1% $242 $456 $108,000 / $54,000 
University of Baltimore MD $109,510$1,276/mon, 10 years $52,800 29% $292 $646 $153,120 / $76,560 
University of California - Berkeley CA $151,136$1,761/mon, 10 years $135,400 15.6% $980 $892 $211,320 / $105,660 
University of California - Davis CA $99,716$1,162/mon, 10 years $67,100 20.8% $411 $588 $139,440 / $69,720 
University of California - Hastings CA $137,787$1,606/mon, 10 years $67,600 28.5% $415 $813 $192,720 / $96,360 
University of California - Irvine CA $119,986$1,398/mon, 10 years $68,700 24.4% $424 $708 $167,760 / $83,880 
University of California - Los Angeles CA $121,453$1,415/mon, 10 years $96,600 17.6% $657 $717 $169,800 / $84,900 
University of Chicago IL $146,806$1,711/mon, 10 years $170,500 12% $1,272 $866 $205,320 / $102,660 
University of Cincinnati OH $76,173$888/mon, 10 years $49,300 21.6% $262 $449 $106,560 / $53,280 
University of Colorado CO $101,626$1,184/mon, 10 years $56,600 25.1% $323 $600 $142,080 / $71,040 
University of Connecticut CT $69,085$805/mon, 10 years $68,600 14.1% $423 $408 $96,600 / $48,300 
University of Dayton OH $120,274$1,401/mon, 10 years $42,000 40% $202 $710 $168,120 / $84,060 
University of Denver CO $143,792$1,675/mon, 10 years $55,000 36.5% $310 $848 $201,000 / $100,500 
University of Detroit Mercy MI $149,993$1,748/mon, 10 years $46,700 44.9% $241 $885 $209,760 / $104,880 
University of Florida FL $84,508$985/mon, 10 years $56,900 20.8% $326 $499 $118,200 / $59,100 
University of Georgia GA $82,480$961/mon, 10 years $57,600 20% $332 $487 $115,320 / $57,660 
University of Hawaii HI $77,849$907/mon, 10 years $56,200 19.4% $320 $459 $108,840 / $54,420 
University of Houston TX $92,067$1,073/mon, 10 years $67,600 19% $415 $543 $128,760 / $64,380 
University of Idaho ID $85,550$997/mon, 10 years $48,400 24.7% $255 $505 $119,640 / $59,820 
University of Illinois IL $90,928$1,060/mon, 10 years $67,700 18.8% $416 $536 $127,200 / $63,600 
University of Illinois at Chicago - John Marshall Law School IL $154,079$1,795/mon, 10 years $47,400 45.4% $247 $909 $215,400 / $107,700 
University of Iowa IA $62,249$725/mon, 10 years $62,700 13.9% $374 $367 $87,000 / $43,500 
University of Kansas KS $66,415$774/mon, 10 years $52,100 17.8% $286 $392 $92,880 / $46,440 
University of Kentucky KY $69,860$814/mon, 10 years $54,400 18% $305 $412 $97,680 / $48,840 
University of La Verne CA $140,182$1,633/mon, 10 years $36,800 53.3% $158 $827 $195,960 / $97,980 
University of Louisville KY $94,503$1,101/mon, 10 years $42,800 30.9% $208 $558 $132,120 / $66,060 
University of Maryland MD $118,155$1,377/mon, 10 years $55,400 29.8% $313 $697 $165,240 / $82,620 
University of Massachusetts Dartmouth MA $102,500$1,194/mon, 10 years $44,500 32.2% $222 $605 $143,280 / $71,640 
University of Memphis TN $76,622$893/mon, 10 years $46,200 23.2% $237 $452 $107,160 / $53,580 
University of Miami FL $150,896$1,758/mon, 10 years $52,100 40.5% $286 $890 $210,960 / $105,480 
University of Michigan MI $145,182$1,692/mon, 10 years $126,800 16% $908 $857 $203,040 / $101,520 
University of Minnesota MN $112,603$1,312/mon, 10 years $58,700 26.8% $341 $664 $157,440 / $78,720 
University of Mississippi MS $64,300$749/mon, 10 years $48,700 18.5% $257 $379 $89,880 / $44,940 
University of Missouri - Columbia MO $71,603$834/mon, 10 years $49,500 20.2% $264 $422 $100,080 / $50,040 
University of Missouri - Kansas City MO $99,005$1,154/mon, 10 years $49,000 28.3% $260 $584 $138,480 / $69,240 
University of Montana MT $76,666$893/mon, 10 years $49,900 21.5% $267 $452 $107,160 / $53,580 
University of Nebraska NE $59,124$689/mon, 10 years $50,900 16.2% $276 $349 $82,680 / $41,340 
University of Nevada - Las Vegas NV $94,197$1,098/mon, 10 years $65,900 20% $401 $556 $131,760 / $65,880 
University of New Mexico NM $83,999$979/mon, 10 years $49,600 23.7% $265 $496 $117,480 / $58,740 
University of North Carolina NC $107,059$1,247/mon, 10 years $55,300 27.1% $312 $632 $149,640 / $74,820 
University of North Dakota ND $61,500$717/mon, 10 years $48,800 17.6% $258 $363 $86,040 / $43,020 
University of Notre Dame IN $130,589$1,522/mon, 10 years $75,500 24.2% $481 $770 $182,640 / $91,320 
University of Oklahoma OK $74,250$865/mon, 10 years $53,600 19.4% $298 $438 $103,800 / $51,900 
University of Oregon OR $88,306$1,029/mon, 10 years $50,300 24.5% $271 $521 $123,480 / $61,740 
University of Pennsylvania PA $149,729$1,745/mon, 10 years $175,100 12% $1,311 $883 $209,400 / $104,700 
University of Pittsburgh PA $101,186$1,179/mon, 10 years $47,100 30% $244 $597 $141,480 / $70,740 
University of Puerto Rico PR $44,000$513/mon, 10 years $26,200 23.5% $70 $260 $61,560 / $30,780 
University of Richmond VA $97,625$1,138/mon, 10 years $53,500 25.5% $297 $576 $136,560 / $68,280 
University of San Diego CA $134,348$1,565/mon, 10 years $62,100 30.2% $369 $793 $187,800 / $93,900 
University of San Francisco CA $195,820$2,282/mon, 10 years $53,900 50.8% $301 $1,155 $273,840 / $136,920 
University of South Carolina SC $102,007$1,189/mon, 10 years $48,300 29.5% $254 $602 $142,680 / $71,340 
University of South Dakota SD $79,143$922/mon, 10 years $49,200 22.5% $262 $467 $110,640 / $55,320 
University of Southern California CA $129,223$1,506/mon, 10 years $89,300 20.2% $596 $762 $180,720 / $90,360 
University of St. Thomas - Minneapolis MN $84,261$982/mon, 10 years $49,600 23.8% $265 $497 $117,840 / $58,920 
University of Tennessee TN $61,500$717/mon, 10 years $53,000 16.2% $293 $363 $86,040 / $43,020 
University of Texas TX $106,598$1,242/mon, 10 years $90,100 16.5% $602 $629 $149,040 / $74,520 
University of the Pacific CA $158,437$1,846/mon, 10 years $53,000 41.8% $293 $935 $221,520 / $110,760 
University of Toledo OH $81,546$950/mon, 10 years $41,000 27.8% $193 $481 $114,000 / $57,000 
University of Tulsa OK $75,326$878/mon, 10 years $50,800 20.7% $275 $444 $105,360 / $52,680 
University of Utah UT $79,768$929/mon, 10 years $57,800 19.3% $333 $471 $111,480 / $55,740 
University of Virginia VA $158,376$1,845/mon, 10 years $151,500 14.6% $1,114 $934 $221,400 / $110,700 
University of Washington WA $109,405$1,275/mon, 10 years $63,000 24.3% $377 $645 $153,000 / $76,500 
University of Wisconsin WI $61,500$717/mon, 10 years $56,000 15.4% $318 $363 $86,040 / $43,020 
University of Wyoming WY $84,032$979/mon, 10 years $52,000 22.6% $285 $496 $117,480 / $58,740 
Valparaiso University IN $139,821$1,629/mon, 10 years $37,000 52.8% $160 $825 $195,480 / $97,740 
Vanderbilt University TN $129,030$1,503/mon, 10 years $108,800 16.6% $758 $761 $180,360 / $90,180 
Villanova University PA $83,761$976/mon, 10 years $56,900 20.6% $326 $494 $117,120 / $58,560 
Wake Forest University NC $113,656$1,324/mon, 10 years $55,400 28.7% $313 $671 $158,880 / $79,440 
Washburn University KS $82,194$958/mon, 10 years $48,800 23.6% $258 $485 $114,960 / $57,480 
Washington and Lee University VA $97,276$1,133/mon, 10 years $64,200 21.2% $387 $574 $135,960 / $67,980 
Washington University in St Louis MO $81,500$950/mon, 10 years $79,800 14.3% $517 $481 $114,000 / $57,000 
Wayne State University MI $67,640$788/mon, 10 years $58,300 16.2% $337 $399 $94,560 / $47,280 
West Virginia University WV $84,227$981/mon, 10 years $51,100 23% $277 $497 $117,720 / $58,860 
Western New England University School of Law MA $129,662$1,511/mon, 10 years $46,300 39.2% $237 $765 $181,320 / $90,660 
Western State University CA $114,795$1,338/mon, 10 years $40,000 40.1% $185 $677 $160,560 / $80,280 
Whittier Law School CA $196,008$2,284/mon, 10 years $36,900 74.3% $159 $1,156 $274,080 / $137,040 
Widener University DE $134,806$1,571/mon, 10 years $48,900 38.6% $259 $795 $188,520 / $94,260 
Willamette University OR $154,190$1,797/mon, 10 years $45,000 47.9% $227 $910 $215,640 / $107,820 
William and Mary VA $98,700$1,150/mon, 10 years $59,800 23.1% $350 $582 $138,000 / $69,000 
Yale University CT $126,398$1,473/mon, 10 years $128,900 13.7% $926 $746 $176,760 / $88,380 

About the Data

School-specific borrowing and earnings data on this page come from the United States Department of Education.