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Scope: Debt Service to Income

Reporting Year: 2020

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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 2016 and 2017 graduate data from the U.S. Department of Education, law schools range from 10.3% to 67.8% on the debt service ratio using the standard term for federal student loans of 10 years.

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 ($109,256 total borrowed) owes $1,229 per month on the 10-year plan, they owe $724 per month on the 25-year plan. 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 $38,283. Under the 25-year plan, they will pay $107,977. 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 You Earn ("REPAYE"), one of these programs.

Amount Borrowed$109,256
Pre-Tax Income$59,485
Discretionary Income$41,395
Monthly REPAYE Payment$345
Standard Payment$1,229
$656 / $574principal / interest

This table uses the median earned at the median school (by earnings) with the median borrowed at the median school (by borrowing).

This hypothetical person would need to make at least $147,539 to devote 10% of pre-tax income to servicing the standard payment each month. For 20%, the necessary income is $73,769.

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 $12,060 in 2017 (the relevant year for the reporting year 2020) 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 $18,090 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 79.6% 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 $105,731$1,190/mon, 10 years $62,880 22.7% $373 $555 $142,779 / $71,389 
American University DC $177,999$2,003/mon, 10 years $65,833 36.5% $398 $934 $240,369 / $120,185 
Appalachian School of Law VA $101,278$1,140/mon, 10 years $47,260 28.9% $243 $532 $136,765 / $68,383 
Arizona State University AZ $92,309$1,039/mon, 10 years $64,706 19.3% $388 $485 $124,654 / $62,327 
Arizona Summit Law School AZ $198,258$2,231/mon, 10 years $46,432 57.7% $236 $1,041 $267,727 / $133,863 
Ave Maria School of Law FL $158,206$1,780/mon, 10 years $44,666 47.8% $221 $831 $213,641 / $106,820 
Barry University FL $167,186$1,881/mon, 10 years $43,345 52.1% $210 $878 $225,767 / $112,884 
Baylor University TX $86,862$977/mon, 10 years $74,786 15.7% $472 $456 $117,298 / $58,649 
Belmont University TN $135,522$1,525/mon, 10 years $54,275 33.7% $302 $711 $183,008 / $91,504 
Boston College MA $109,256$1,229/mon, 10 years $91,744 16.1% $614 $574 $147,539 / $73,769 
Boston University MA $119,295$1,342/mon, 10 years $109,286 14.7% $760 $626 $161,096 / $80,548 
Brigham Young University UT $49,710$559/mon, 10 years $65,457 10.3% $395 $261 $67,128 / $33,564 
Brooklyn Law School NY $120,042$1,351/mon, 10 years $68,880 23.5% $423 $630 $162,104 / $81,052 
California Western School of Law CA $141,521$1,593/mon, 10 years $60,643 31.5% $355 $743 $191,109 / $95,555 
Campbell University NC $140,880$1,585/mon, 10 years $49,498 38.4% $262 $740 $190,244 / $95,122 
Capital University OH $111,600$1,256/mon, 10 years $47,553 31.7% $246 $586 $150,704 / $75,352 
Cardozo-Yeshiva University NY $110,033$1,238/mon, 10 years $71,725 20.7% $447 $578 $148,588 / $74,294 
Case Western Reserve University OH $83,500$940/mon, 10 years $59,288 19% $343 $438 $112,758 / $56,379 
Catholic University of America DC $145,649$1,639/mon, 10 years $70,386 27.9% $436 $765 $196,684 / $98,342 
Chapman University CA $155,229$1,747/mon, 10 years $70,680 29.7% $438 $815 $209,621 / $104,810 
Charleston School of Law SC $144,682$1,628/mon, 10 years $45,500 42.9% $228 $760 $195,378 / $97,689 
Charlotte School of Law NC $196,998$2,217/mon, 10 years $45,213 58.8% $226 $1,034 $266,025 / $133,013 
Chicago-Kent College of Law IL $102,823$1,157/mon, 10 years $64,051 21.7% $383 $540 $138,852 / $69,426 
Cleveland-Marshall College of Law OH $85,892$967/mon, 10 years $51,273 22.6% $277 $451 $115,988 / $57,994 
Columbia University NY $177,000$1,992/mon, 10 years $185,760 12.9% $1,397 $929 $239,020 / $119,510 
Concordia University School of Law ID $93,836$1,056/mon, 10 years $56,234 22.5% $318 $493 $126,716 / $63,358 
Cornell University NY $139,926$1,575/mon, 10 years $179,153 10.5% $1,342 $735 $188,956 / $94,478 
Creighton University NE $130,998$1,474/mon, 10 years $57,168 30.9% $326 $688 $176,899 / $88,450 
CUNY NY $70,450$793/mon, 10 years $59,438 16% $345 $370 $95,135 / $47,568 
DePaul University IL $125,162$1,408/mon, 10 years $58,704 28.8% $338 $657 $169,018 / $84,509 
Drake University IA $116,582$1,312/mon, 10 years $63,749 24.7% $380 $612 $157,432 / $78,716 
Drexel University PA $73,894$832/mon, 10 years $58,823 17% $339 $388 $99,786 / $49,893 
Duke University NC $139,961$1,575/mon, 10 years $168,296 11.2% $1,252 $735 $189,003 / $94,501 
Duquesne University PA $82,620$930/mon, 10 years $57,318 19.5% $327 $434 $111,570 / $55,785 
Emory University GA $136,500$1,536/mon, 10 years $77,643 23.7% $496 $717 $184,329 / $92,165 
Florida A&M University FL $103,971$1,170/mon, 10 years $45,826 30.6% $231 $546 $140,402 / $70,201 
Florida Coastal School of Law FL $204,226$2,298/mon, 10 years $41,280 66.8% $193 $1,072 $275,786 / $137,893 
Florida International University FL $103,947$1,170/mon, 10 years $54,996 25.5% $308 $546 $140,370 / $70,185 
Florida State University FL $72,302$814/mon, 10 years $54,005 18.1% $299 $380 $97,636 / $48,818 
Fordham University NY $150,000$1,688/mon, 10 years $118,210 17.1% $834 $788 $202,559 / $101,280 
George Mason University VA $99,248$1,117/mon, 10 years $73,870 18.1% $465 $521 $134,024 / $67,012 
George Washington University DC $172,333$1,939/mon, 10 years $87,242 26.7% $576 $905 $232,718 / $116,359 
Georgetown University DC $164,954$1,856/mon, 10 years $145,898 15.3% $1,065 $866 $222,753 / $111,377 
Georgia State University GA $65,768$740/mon, 10 years $67,225 13.2% $409 $345 $88,813 / $44,406 
Golden Gate University CA $158,774$1,787/mon, 10 years $55,813 38.4% $314 $834 $214,408 / $107,204 
Gonzaga University WA $111,584$1,256/mon, 10 years $53,739 28% $297 $586 $150,683 / $75,341 
Harvard University MA $141,190$1,589/mon, 10 years $172,423 11.1% $1,286 $741 $190,662 / $95,331 
Hofstra University NY $146,890$1,653/mon, 10 years $63,749 31.1% $380 $771 $198,360 / $99,180 
Howard University DC $153,893$1,732/mon, 10 years $68,033 30.5% $416 $808 $207,817 / $103,908 
Indiana University - Bloomington IN $81,500$917/mon, 10 years $65,238 16.9% $393 $428 $110,057 / $55,029 
Indiana University - Indianapolis IN $89,961$1,012/mon, 10 years $60,714 20% $355 $472 $121,483 / $60,741 
Inter American University PR $100,520$1,131/mon, 10 years $27,532 49.3% $79 $528 $135,742 / $67,871 
John Marshall Law School - Atlanta GA $180,883$2,036/mon, 10 years $41,937 58.2% $199 $950 $244,264 / $122,132 
Lewis and Clark College OR $130,058$1,464/mon, 10 years $58,142 30.2% $334 $683 $175,630 / $87,815 
Lincoln Memorial University TN $85,713$965/mon, 10 years $43,240 26.8% $210 $450 $115,747 / $57,873 
Louisiana State University LA $75,768$853/mon, 10 years $53,080 19.3% $292 $398 $102,317 / $51,158 
Loyola Marymount University CA $143,433$1,614/mon, 10 years $72,564 26.7% $454 $753 $193,691 / $96,846 
Loyola University Chicago IL $138,223$1,555/mon, 10 years $70,136 26.6% $434 $726 $186,656 / $93,328 
Loyola University New Orleans LA $112,662$1,268/mon, 10 years $52,420 29% $286 $591 $152,138 / $76,069 
Marquette University WI $156,615$1,762/mon, 10 years $54,622 38.7% $304 $822 $211,492 / $105,746 
Mercer University GA $129,917$1,462/mon, 10 years $55,356 31.7% $311 $682 $175,439 / $87,720 
Michigan State University MI $90,168$1,015/mon, 10 years $58,402 20.8% $336 $473 $121,763 / $60,881 
Mississippi College MS $140,178$1,577/mon, 10 years $47,595 39.8% $246 $736 $189,296 / $94,648 
Mitchell Hamline School of Law MN $78,744$886/mon, 10 years $57,948 18.4% $332 $413 $106,336 / $53,168 
New England School of Law MA $146,068$1,644/mon, 10 years $52,542 37.5% $287 $767 $197,250 / $98,625 
New York Law School NY $150,358$1,692/mon, 10 years $70,596 28.8% $438 $789 $203,043 / $101,521 
New York University NY $184,952$2,081/mon, 10 years $177,207 14.1% $1,326 $971 $249,758 / $124,879 
North Carolina Central University NC $98,248$1,106/mon, 10 years $45,986 28.9% $232 $516 $132,674 / $66,337 
Northeastern University MA $93,751$1,055/mon, 10 years $59,485 21.3% $345 $492 $126,601 / $63,300 
Northern Illinois University IL $74,611$840/mon, 10 years $51,551 19.5% $279 $392 $100,754 / $50,377 
Northern Kentucky University KY $88,500$996/mon, 10 years $44,418 26.9% $219 $465 $119,510 / $59,755 
Northwestern University IL $138,065$1,554/mon, 10 years $176,087 10.6% $1,317 $725 $186,442 / $93,221 
Nova Southeastern University FL $162,536$1,829/mon, 10 years $51,829 42.3% $281 $853 $219,488 / $109,744 
Ohio Northern University OH $100,224$1,128/mon, 10 years $49,064 27.6% $258 $526 $135,342 / $67,671 
Ohio State University OH $100,481$1,131/mon, 10 years $66,512 20.4% $404 $528 $135,689 / $67,845 
Pace University NY $94,806$1,067/mon, 10 years $63,699 20.1% $380 $498 $128,026 / $64,013 
Pennsylvania State University - Dickinson Law PA $70,763$796/mon, 10 years $54,867 17.4% $306 $372 $95,558 / $47,779 
Pennsylvania State University - Penn State Law PA $70,763$796/mon, 10 years $54,867 17.4% $306 $372 $95,558 / $47,779 
Pepperdine University CA $162,500$1,829/mon, 10 years $70,651 31.1% $438 $853 $219,439 / $109,720 
Pontifical Catholic University of Puerto Rico PR $106,290$1,196/mon, 10 years $21,508 66.7% $28 $558 $143,534 / $71,767 
Quinnipiac University CT $93,151$1,048/mon, 10 years $61,516 20.4% $362 $489 $125,791 / $62,895 
Regent University VA $116,588$1,312/mon, 10 years $51,750 30.4% $281 $612 $157,440 / $78,720 
Roger Williams University RI $123,384$1,388/mon, 10 years $49,547 33.6% $262 $648 $166,617 / $83,309 
Rutgers University NJ $76,500$861/mon, 10 years $61,855 16.7% $365 $402 $103,305 / $51,653 
Samford University AL $127,411$1,434/mon, 10 years $50,952 33.8% $274 $669 $172,055 / $86,028 
Santa Clara University CA $151,269$1,702/mon, 10 years $79,561 25.7% $512 $794 $204,273 / $102,137 
Seattle University WA $154,269$1,736/mon, 10 years $62,856 33.1% $373 $810 $208,324 / $104,162 
Seton Hall University NJ $114,394$1,287/mon, 10 years $66,781 23.1% $406 $601 $154,477 / $77,239 
South Texas College of Law Houston TX $133,762$1,505/mon, 10 years $65,338 27.6% $394 $702 $180,632 / $90,316 
Southern Illinois University IL $97,582$1,098/mon, 10 years $46,087 28.6% $233 $512 $131,774 / $65,887 
Southern Methodist University TX $141,372$1,591/mon, 10 years $87,718 21.8% $580 $742 $190,908 / $95,454 
Southern University Law Center LA $101,655$1,144/mon, 10 years $44,959 30.5% $224 $534 $137,275 / $68,637 
Southwestern Law School CA $211,466$2,380/mon, 10 years $62,192 45.9% $368 $1,110 $285,563 / $142,781 
St. John's University NY $109,414$1,231/mon, 10 years $71,940 20.5% $449 $574 $147,752 / $73,876 
St. Louis University MO $91,143$1,026/mon, 10 years $60,162 20.5% $351 $479 $123,079 / $61,540 
St. Mary's University TX $114,578$1,289/mon, 10 years $55,383 27.9% $311 $602 $154,726 / $77,363 
St. Thomas University - Florida FL $152,124$1,712/mon, 10 years $47,056 43.7% $241 $799 $205,428 / $102,714 
Stanford University CA $130,762$1,472/mon, 10 years $163,869 10.8% $1,215 $687 $176,580 / $88,290 
Stetson University FL $141,439$1,592/mon, 10 years $54,543 35% $304 $743 $190,999 / $95,499 
Suffolk University MA $119,123$1,341/mon, 10 years $58,629 27.4% $338 $625 $160,863 / $80,432 
SUNY Buffalo NY $94,804$1,067/mon, 10 years $58,252 22% $335 $498 $128,023 / $64,011 
Syracuse University NY $104,570$1,177/mon, 10 years $60,714 23.3% $355 $549 $141,211 / $70,605 
Temple University PA $67,518$760/mon, 10 years $69,477 13.1% $428 $354 $91,176 / $45,588 
Texas A&M TX $102,723$1,156/mon, 10 years $65,825 21.1% $398 $539 $138,717 / $69,358 
Texas Southern University TX $116,166$1,307/mon, 10 years $51,652 30.4% $280 $610 $156,870 / $78,435 
Texas Tech University TX $73,000$821/mon, 10 years $69,732 14.1% $430 $383 $98,579 / $49,289 
Thomas Jefferson School of Law CA $205,025$2,307/mon, 10 years $48,041 57.6% $250 $1,076 $276,865 / $138,432 
Touro College NY $141,289$1,590/mon, 10 years $61,622 31% $363 $742 $190,796 / $95,398 
Tulane University LA $109,928$1,237/mon, 10 years $61,516 24.1% $362 $577 $148,446 / $74,223 
University of Akron OH $73,530$827/mon, 10 years $50,272 19.8% $268 $386 $99,295 / $49,647 
University of Alabama AL $63,595$716/mon, 10 years $63,572 13.5% $379 $334 $85,878 / $42,939 
University of Arizona AZ $77,069$867/mon, 10 years $59,288 17.6% $343 $405 $104,074 / $52,037 
University of Arkansas - Fayetteville AR $61,500$692/mon, 10 years $56,949 14.6% $324 $323 $83,049 / $41,525 
University of Arkansas - Little Rock AR $78,617$885/mon, 10 years $49,737 21.3% $264 $413 $106,164 / $53,082 
University of Baltimore MD $104,000$1,170/mon, 10 years $57,995 24.2% $333 $546 $140,441 / $70,221 
University of California - Berkeley CA $150,000$1,688/mon, 10 years $160,316 12.6% $1,185 $788 $202,559 / $101,280 
University of California - Davis CA $89,009$1,002/mon, 10 years $74,200 16.2% $468 $467 $120,197 / $60,099 
University of California - Hastings CA $138,152$1,555/mon, 10 years $76,460 24.4% $486 $725 $186,560 / $93,280 
University of California - Irvine CA $119,986$1,350/mon, 10 years $76,998 21% $491 $630 $162,029 / $81,014 
University of California - Los Angeles CA $124,812$1,405/mon, 10 years $110,067 15.3% $766 $655 $168,546 / $84,273 
University of Chicago IL $156,934$1,766/mon, 10 years $173,847 12.2% $1,298 $824 $211,923 / $105,962 
University of Cincinnati OH $64,066$721/mon, 10 years $57,318 15.1% $327 $336 $86,514 / $43,257 
University of Colorado CO $100,082$1,126/mon, 10 years $63,600 21.3% $379 $525 $135,150 / $67,575 
University of Connecticut CT $86,158$970/mon, 10 years $74,845 15.5% $473 $452 $116,347 / $58,174 
University of Dayton OH $133,728$1,505/mon, 10 years $48,432 37.3% $253 $702 $180,586 / $90,293 
University of Denver CO $140,174$1,577/mon, 10 years $61,558 30.7% $362 $736 $189,290 / $94,645 
University of Detroit Mercy MI $135,776$1,528/mon, 10 years $57,657 31.8% $330 $713 $183,351 / $91,676 
University of Florida FL $92,076$1,036/mon, 10 years $63,869 19.5% $381 $483 $124,339 / $62,170 
University of Georgia GA $81,080$912/mon, 10 years $65,840 16.6% $398 $426 $109,490 / $54,745 
University of Hawaii HI $80,116$902/mon, 10 years $63,302 17.1% $377 $421 $108,188 / $54,094 
University of Houston TX $81,118$913/mon, 10 years $73,446 14.9% $461 $426 $109,541 / $54,771 
University of Idaho ID $97,842$1,101/mon, 10 years $53,150 24.9% $292 $514 $132,125 / $66,063 
University of Illinois IL $71,701$807/mon, 10 years $74,666 13% $471 $376 $96,825 / $48,412 
University of Illinois at Chicago - John Marshall Law School IL $157,559$1,773/mon, 10 years $54,970 38.7% $307 $827 $212,767 / $106,384 
University of Iowa IA $59,711$672/mon, 10 years $63,788 12.6% $381 $313 $80,634 / $40,317 
University of Kansas KS $61,500$692/mon, 10 years $58,898 14.1% $340 $323 $83,049 / $41,525 
University of Kentucky KY $82,450$928/mon, 10 years $51,106 21.8% $275 $433 $111,340 / $55,670 
University of La Verne CA $161,762$1,820/mon, 10 years $52,107 41.9% $283 $849 $218,443 / $109,221 
University of Louisville KY $80,928$911/mon, 10 years $48,703 22.4% $255 $425 $109,285 / $54,642 
University of Maine ME $100,974$1,136/mon, 10 years $54,655 24.9% $305 $530 $136,355 / $68,177 
University of Maryland MD $117,611$1,324/mon, 10 years $66,335 23.9% $402 $617 $158,821 / $79,411 
University of Massachusetts Dartmouth MA $116,322$1,309/mon, 10 years $49,214 31.9% $259 $611 $157,081 / $78,540 
University of Memphis TN $91,826$1,033/mon, 10 years $55,512 22.3% $312 $482 $124,001 / $62,001 
University of Miami FL $153,562$1,728/mon, 10 years $62,384 33.2% $369 $806 $207,370 / $103,685 
University of Michigan MI $141,505$1,592/mon, 10 years $145,235 13.2% $1,060 $743 $191,088 / $95,544 
University of Minnesota MN $112,944$1,271/mon, 10 years $67,879 22.5% $415 $593 $152,519 / $76,260 
University of Mississippi MS $65,900$742/mon, 10 years $52,584 16.9% $287 $346 $88,991 / $44,496 
University of Missouri - Columbia MO $63,084$710/mon, 10 years $55,840 15.3% $315 $331 $85,188 / $42,594 
University of Missouri - Kansas City MO $98,485$1,108/mon, 10 years $53,017 25.1% $291 $517 $132,994 / $66,497 
University of Montana MT $76,994$866/mon, 10 years $50,922 20.4% $274 $404 $103,972 / $51,986 
University of Nebraska NE $58,621$660/mon, 10 years $56,140 14.1% $317 $308 $79,162 / $39,581 
University of Nevada - Las Vegas NV $85,790$965/mon, 10 years $73,579 15.7% $462 $450 $115,850 / $57,925 
University of New Hampshire NH $83,797$943/mon, 10 years $63,005 18% $374 $440 $113,159 / $56,580 
University of New Mexico NM $85,991$968/mon, 10 years $53,908 21.5% $298 $451 $116,122 / $58,061 
University of North Carolina NC $95,390$1,073/mon, 10 years $68,778 18.7% $422 $501 $128,814 / $64,407 
University of North Dakota ND $61,500$692/mon, 10 years $53,045 15.7% $291 $323 $83,049 / $41,525 
University of Notre Dame IN $126,962$1,429/mon, 10 years $95,295 18% $643 $667 $171,449 / $85,724 
University of Oklahoma OK $73,500$827/mon, 10 years $63,997 15.5% $383 $386 $99,254 / $49,627 
University of Oregon OR $86,641$975/mon, 10 years $60,156 19.4% $351 $455 $117,000 / $58,500 
University of Pennsylvania PA $150,634$1,695/mon, 10 years $179,672 11.3% $1,347 $791 $203,416 / $101,708 
University of Pittsburgh PA $101,541$1,143/mon, 10 years $56,028 24.5% $316 $533 $137,121 / $68,560 
University of Richmond VA $86,056$968/mon, 10 years $59,819 19.4% $348 $452 $116,210 / $58,105 
University of San Diego CA $122,698$1,381/mon, 10 years $77,013 21.5% $491 $644 $165,691 / $82,845 
University of San Francisco CA $196,166$2,208/mon, 10 years $66,240 40% $401 $1,030 $264,902 / $132,451 
University of South Carolina SC $110,100$1,239/mon, 10 years $53,450 27.8% $295 $578 $148,679 / $74,339 
University of South Dakota SD $83,269$937/mon, 10 years $51,169 22% $276 $437 $112,446 / $56,223 
University of Southern California CA $129,000$1,452/mon, 10 years $99,325 17.5% $677 $677 $174,201 / $87,101 
University of St. Thomas - Minneapolis MN $73,500$827/mon, 10 years $58,673 16.9% $338 $386 $99,254 / $49,627 
University of Tennessee TN $61,500$692/mon, 10 years $58,744 14.1% $339 $323 $83,049 / $41,525 
University of Texas TX $105,553$1,188/mon, 10 years $106,117 13.4% $734 $554 $142,538 / $71,269 
University of The District of Columbia DC $111,015$1,249/mon, 10 years $60,099 24.9% $350 $583 $149,914 / $74,957 
University of the Pacific CA $160,450$1,806/mon, 10 years $63,005 34.4% $374 $842 $216,671 / $108,336 
University of Toledo OH $79,000$889/mon, 10 years $47,729 22.4% $247 $415 $106,681 / $53,341 
University of Tulsa OK $76,373$859/mon, 10 years $58,673 17.6% $338 $401 $103,134 / $51,567 
University of Utah UT $74,100$834/mon, 10 years $66,420 15.1% $403 $389 $100,064 / $50,032 
University of Virginia VA $157,870$1,777/mon, 10 years $175,653 12.1% $1,313 $829 $213,187 / $106,594 
University of Washington WA $95,727$1,077/mon, 10 years $70,100 18.4% $433 $503 $129,269 / $64,635 
University of Wisconsin WI $61,500$692/mon, 10 years $58,995 14.1% $341 $323 $83,049 / $41,525 
University of Wyoming WY $98,352$1,107/mon, 10 years $57,110 23.3% $325 $516 $132,814 / $66,407 
Valparaiso University IN $136,455$1,536/mon, 10 years $47,553 38.8% $246 $716 $184,268 / $92,134 
Vanderbilt University TN $126,907$1,428/mon, 10 years $129,252 13.3% $926 $666 $171,375 / $85,687 
Vermont Law School VT $144,920$1,631/mon, 10 years $48,432 40.4% $253 $761 $195,699 / $97,850 
Villanova University PA $78,619$885/mon, 10 years $63,140 16.8% $375 $413 $106,167 / $53,083 
Wake Forest University NC $105,577$1,188/mon, 10 years $63,666 22.4% $380 $554 $142,571 / $71,285 
Washburn University KS $75,093$845/mon, 10 years $52,226 19.4% $284 $394 $101,405 / $50,703 
Washington and Lee University VA $97,097$1,093/mon, 10 years $66,007 19.9% $399 $510 $131,119 / $65,560 
Washington University in St Louis MO $88,000$990/mon, 10 years $93,342 12.7% $627 $462 $118,835 / $59,417 
Wayne State University MI $61,500$692/mon, 10 years $64,415 12.9% $386 $323 $83,049 / $41,525 
West Virginia University WV $82,128$924/mon, 10 years $56,544 19.6% $320 $431 $110,905 / $55,453 
Western Michigan University - Cooley Law School MI $180,337$2,029/mon, 10 years $45,383 53.7% $227 $947 $243,526 / $121,763 
Western State University CA $124,476$1,401/mon, 10 years $60,523 27.8% $354 $653 $168,092 / $84,046 
Whittier Law School CA $204,664$2,303/mon, 10 years $40,747 67.8% $189 $1,074 $276,377 / $138,189 
Widener University DE $128,868$1,450/mon, 10 years $54,462 32% $303 $677 $174,023 / $87,011 
Willamette University OR $147,911$1,664/mon, 10 years $57,318 34.8% $327 $777 $199,738 / $99,869 
William and Mary VA $105,414$1,186/mon, 10 years $70,083 20.3% $433 $553 $142,351 / $71,175 
Yale University CT $126,398$1,422/mon, 10 years $130,669 13.1% $938 $664 $170,687 / $85,344 

About the Data

School-specific borrowing and earnings data on this page come from the United States Department of Education, except for the estimated monthly payment. In calculating the estimated monthly payment, the Education Department has used unwarranted assumptions. In 2019, ED used an imputed rate over 7%, which could only have been a proper weighted interest rate for some (if any) borrowers. In 2020, ED used an imputed rate of 4.3%, which would have been the weighted interest rate for zero borrowers. Instead, LST calculated an interest rate for each cohort based on the interest rates from all years those included graduates borrowed. For the current page's year, we used a rate of 6.3%.