The Definitive Guide to Student Loans

The 11 US cities where it's easiest to pay off student loans

Americans are getting crushed by student loan debt: They owed a collective $1.3 trillion by the end of last year. People under 35 dedicate nearly a fifth of their salaries to loan payments alone, according to Citizens Bank.

Personal finance site WalletHub investigated where Americans are struggling the most and least to pay back loans by comparing the median student loan balance against the median earnings of adults 25 and older with a bachelor's degree in 1,937 cities across the U.S.

Source: Wallethub

Here are the cities where college graduates are finding it the easiest to pay back their loans.

11. Herriman, Utah

Median student loan debt: $12,939
Median earnings with a Bachelor's degree: $63,538
Debt to earnings ratio: 20.36 percent

10. San Juan, Texas

Median student loan debt: $9,374
Median earnings with a Bachelor's degree: $46,214
Debt to earnings ratio: 20.28 percent

9. Sunnyvale, Calif.

Median student loan debt: $16,967
Median earnings with a Bachelor's degree: $83,737
Debt to earnings ratio: 20.26 percent

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Nancy Nehring | Contributor | Getty Images

8. Lake Jackson, Texas

Median student loan debt: $13,523
Median earnings with a Bachelor's degree: $67,125
Debt to earnings ratio: 20.15 percent

7. Lincoln, Calif.

Median student loan debt: $12,696
Median earnings with a Bachelor's degree: $64,738
Debt to earnings ratio: 19.61 percent

6. Greensburg, Ind.

Median student loan debt: $9,678
Median earnings with a Bachelor's degree: $50,466
Debt to earnings ratio: 19.18 percent

Greensburg, Indiana
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Greensburg, Indiana

5. Sammamish, Wash.

Median student loan debt: $17,559
Median earnings with a Bachelor's degree: $98,032
Debt to earnings ratio: 17.91 percent

4. Elko, Nev.

Median student loan debt: $10,575
Median earnings with a Bachelor's degree: $61,569
Debt to earnings ratio: 17.18 percent

3. Santa Paula, Calif.

Median student loan debt: $11,462
Median earnings with a Bachelor's degree: $67,835
Debt to earnings ratio: 16.9 percent

Santa Paula, California
Visions of America | Contributor | Getty Images
Santa Paula, California

2. Winchester, Mass.

Median student loan debt: $14,344
Median earnings with a Bachelor's degree: $86,446
Debt to earnings ratio: 16.59 percent

1. Gilroy, Calif.

Median student loan debt: $12,297
Median earnings with a Bachelor's degree: $78,558
Debt to earnings ratio: 15.65 percent

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