Find out where you fit in the student loan landscape — and hear stories from people in the same situation.

Enter your email at the end to get the results along with helpful info about student debt.
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Let’s get started. Do you currently have student loan debt? *

The * means this question helps us figure out the right questions to ask you in this survey.

 
You’re far from alone: there are 44.2 million people in the U.S. with student loan debt

Do you have student loans for yourself or for your child/grandchild? *


 
Okay, let’s keep going. How old are you? *


 
And how much student loan debt do you have currently? *

We ask just so we can tell you where you fit in the landscape of student debt. We won't share this info.

 
Big picture: There are 17 million other people under the age of 30 who have student loan debt. And they owe on average $22,116 on their student loans.

The good news: You got an education with that money. Beyoncé only got this one outfit for the same price.

 
Big picture: There are 12 million other people in their 30s who have student loan debt. And they owe on average $35,960 on student loans (the average is even higher for grad school graduates — upwards of $41,000).

The good news: You got an education with that money. Lady Gaga spent more than that just for a machine to detect ghosts.

 
Big picture: There are 7 million other people in their 40s with student loan debt. And they owe on average $35,664 on student loans. That average is even higher for grad school graduates — upwards of $41,000.

The good news: You got an education with that money. Lady Gaga spent more than that just for a machine to detect ghosts.

 
Big picture: There are 5.2 million other people in their 50s with student loan debt. And they owe on average $31,804 on student loans. That average is even higher for grad school graduates — upwards of $41,000.

The good news: You got an education with that money. Lady Gaga spent more than that just for a machine to detect ghosts.

 
Big picture: There are 2.9 million other people in their 60s with student loan debt. And they owe on average $25,647 on student loans. That average is even higher for grad school graduates — upwards of $41,000. 

The good news: You got an education with that money. Beyonce only got one outfit for about the same price.

 
Big picture: The average student loan debt for parents who’ve taken out loans — federal and private — for their child is about $21,000. And older Americans are now the fastest-growing age segment of the U.S. student loan market.

 
“I’ve been avoiding trying to pay [my loans] for the last five years, but finally they’ve caught up with me and said that I have to pay.” 
            – Rose, who owes $100,000 on her student loans

Are you currently making payments on your student loan(s)? *


 
Even if you’re keeping up with the payments on your loans — good for you! — having student loan debt hanging over your head can still take a toll.

We’re making a word cloud: Tell us three words that describe how you feel about your student loans.

 
Whatever the status of your loans, you’ve got lots of company: according to a 2015 Federal Reserve survey, almost 40% of people with student loan debt said that one or more of their loans were in deferment, and 18% reported being behind or in collections.

We’re making a word cloud: Tell us three words that describe how you feel about your student loans.

 
A 2015 Federal Reserve survey found that on average, people are shelling out $533 per month on their student loan payments. 

And that can be hard, particularly for older Americans: People 50 and up have a significantly higher rate of default than people in their 40s and under. That could be because older Americans’ incomes typically decrease as they age — making it harder to make payments.

We’re making a word cloud: Tell us three words that describe how you feel about your student loans.

 
Do you feel like you can talk with your child/grandchild about the student loan debt you’ve taken on for them?


 
Have you had student loan debt in the past?


 
27% of adults say they’ve borrowed money to pay for their education, according to a Federal Reserve survey. And you’re part of the 12% of those borrowers who say they’ve repaid their student loan debt. Go you!

How long did it take you to pay off your student loan debt?


 
The traditional student loan repayment period is 10 years.

But a recent survey found that borrowers with bachelor’s degrees said it took them an average of 19.7 years to pay off their debt, while those with graduate degrees took an average of 23 years.

How do you feel about having paid off your loans?

 
Do you feel like you can openly share the fact that you’ve paid off your student loan debt?


 
We all know that money is hard to talk about: A survey from Ally Bank found that 70% of Americans think it’s rude to talk about personal money matters in a social setting.

However, it also found that younger people had an easier time talking about their income or debt than older people — so this attitude might be starting to shift.

 
How did you avoid student loan debt?


 
Do you feel like you can talk openly about not having student loan debt?

Student loan debt has been shown to affect home ownership, car purchases, marriage, and retirement savings. A 2015 study showed that borrowing just $30,000 in student loan debt could eliminate as much as $325,000 from your 401k balance at retirement. So not having any debt is a big deal!

 
We all know that money is hard to talk about: A survey from Ally Bank found that 70% of Americans think it’s rude to talk about personal money matters in a social setting.

However, it also found that younger people had an easier time talking about their income or debt than older people — so this attitude might be starting to shift.

 
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Thanks for taking our survey and sharing your thoughts.

If you gave us your email, then in a few minutes, you'll get a summary of where you fit in the student loan landscape and a story from a listener who's in a similar student loan debt situation.

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Thanks for taking our survey and sharing your thoughts.

Death, Sex & Money is a podcast that’s all about “the things we think about a lot and need to talk about more.” From what we’ve heard from our listeners, student loan debt is something that can be really hard to open up about — even if you don’t have any!

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