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The report evaluates repayment challenges, highlights disparities by borrower group and college type, and includes policy recommendations spanning institutional actions, state measures, and federal reforms. It also documents methodology sources for the underlying debt data.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/document/","Document",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/document/research-report/","Research & Report",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/document/student-debt-and-the-class-of-2019-ticas-fifteenth-annual-report/586580/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/student-debt-and-the-class-of-2019-ticas-fifteenth-annual-report/586580.png","ImageObject",300,407,{"name":42,"@type":43},"Angel","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-31","2026-10-15",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",5,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"What is the purpose of Student Debt and the Class of 2019?","Question",{"text":63,"@type":64},"It is TICAS’ fifteenth annual report analyzing student loan debt of recent graduates and documenting how debt varies across states and colleges.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"What national findings does the report highlight for the Class of 2019?",{"text":68,"@type":64},"The report finds that more than six in ten (62%) public and nonprofit college seniors had student loan debt, and borrowers owed an average of $28,950 in 2019.",{"name":70,"@type":61,"acceptedAnswer":71},"How does the report explain repayment challenges and who is most affected?",{"text":72,"@type":64},"It describes that many borrowers struggle to repay, with low-income students, Black and Latino students, students who do not complete programs, and students at for-profit colleges facing higher likelihood of repayment difficulties.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},586580,1792062296,{"code":4,"msg":82,"data":83},"success",[84,88,92,96,100,105,110,114,119,122,126],{"id":22,"doc_module":4,"doc_module_name":25,"category_name":85,"show_sort_weight":86,"slug":87},"Story & Novel",90,"story-novel",{"id":26,"doc_module":4,"doc_module_name":25,"category_name":89,"show_sort_weight":90,"slug":91},"Literature",80,"literature",{"id":33,"doc_module":4,"doc_module_name":25,"category_name":93,"show_sort_weight":94,"slug":95},"Exam",70,"exam",{"id":55,"doc_module":4,"doc_module_name":25,"category_name":97,"show_sort_weight":98,"slug":99},"Comic",60,"comic",{"id":101,"doc_module":4,"doc_module_name":25,"category_name":102,"show_sort_weight":103,"slug":104},6,"Technology",50,"technology",{"id":106,"doc_module":4,"doc_module_name":25,"category_name":107,"show_sort_weight":108,"slug":109},7,"Healthcare",40,"healthcare",{"id":111,"doc_module":4,"doc_module_name":25,"category_name":29,"show_sort_weight":112,"slug":113},8,30,"research-report",{"id":115,"doc_module":4,"doc_module_name":25,"category_name":116,"show_sort_weight":117,"slug":118},9,"Religion & Spirituality",20,"religion-spirituality",{"id":117,"doc_module":4,"doc_module_name":25,"category_name":120,"show_sort_weight":117,"slug":121},"World Cup","world-cup",{"id":123,"doc_module":4,"doc_module_name":25,"category_name":124,"show_sort_weight":123,"slug":125},10,"Lifestyle","lifestyle",{"id":127,"doc_module":4,"doc_module_name":25,"category_name":128,"show_sort_weight":55,"slug":129},19,"General","general",{"code":4,"msg":82,"data":131},{"doc_id":79,"user_id":132,"nickname":42,"user_avatar":133,"doc_module":4,"category_id":111,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":139,"language":140,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":12,"update_tm":144,"read_time":145,"preview_page_count":4},687207412472,"https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d","Acknowledgements  \nThe Institute for College Access & Success is a trusted source of research, design, and advocacy for student-centered public policies that promote affordability, accountability, and equity in higher education. Our Project on Student Debt increases public understanding of rising student debt and the implications for our families, economy, and society. To learn more about TICAS, visit [ticas.org](ticas.org) and follow us on Twitter at @TICAS org.  \nStudent Debt and the Class of 2019, our fifteenth annual report on debt at graduation, was researched and written by TICAS’ J. Oliver Schak, Nancy Wong, Ana Fung, and Lindsay Ahlman. All of the college-and state-level debt data used for the report are available online at [ticas.org/interactive](ticas.org/interactive)map/ . The data are also available with additional information on more than 13,000 U. S. colleges at [College-Insight.org](College-Insight.org), TICAS’ higher education data site.  \nWe are grateful to our foundation partners and individual donors whose support makes TICAS’ work possible. Current foundation funding for our Project on Student Debt and other national research and policy work comes from the Bill & Melinda Gates Foundation, The Rosalinde and Arthur Gilbert Foundation, the Joyce Foundation, The Kresge Foundation, and Lumina Foundation. The views expressed in this paper are solely those of TICAS and do not necessarily reflect the views of our funders.  \nThis report can be reproduced, with attribution, within the terms of this Creative Commons license: [creativecommons.org/licenses/by-nc-nd/3.0/](creativecommons.org/licenses/by-nc-nd/3.0/) .  \nTable of Contents  \nLETTER FROM THE PRESIDENT  \nOVERVIEW AND KEY FINDINGS  \nAbout This Report and the Data We Used  \nNATIONAL TRENDS IN STUDENT DEBT FOR COLLEGE GRADUATES:  \nSTATE FUNDING AND OTHER FACTORS  \nThe Covid-19 Pandemic and College Affordability  \nHow Successfully are Bachelor’s Degree Recipients Repaying their Loans?  \nStudent Debt of Black Bachelor’s Degree Recipients in Context  \nSTUDENT DEBT BY STATE  \nFifteen-Year Debt Trends by State: 2004 to 2019  \nSTUDENT DEBT AT COLLEGES  \nStudent Debt at For-Profit Colleges  \nDATA ON DEBT AT GRADUATION  \nPRIVATE (NONFEDERAL) LOANS  \nWHAT COLLEGES AND STATES CAN DO  \nInstitutional Policy Ideas for Reducing Debt Burdens  \nState Policy Ideas for Reducing Debt Burdens  \nFEDERAL POLICY RECOMMENDATIONS TO REDUCE THE BURDEN OF STUDENT DEBT  \nInvest in Students and Public Colleges  \nExtend & Expand Emergency Student Loan Relief  \nImprove Transparency and Oversight  \nMETHODOLOGY: WHERE THE NUMBERS COME FROM AND HOW WE USE THEM  \n4  \n5  \n6  \n7  \n10  \n12  \n14  \n15  \n18  \n22  \n23  \n24  \n26  \n27  \n27  \n28  \n30  \n31  \n32  \n33  \n35  \nLETTER FROM THE PRESIDENT  \nDear Friends:  \nOver the last generation, there has been a sea change in how students and families pay for college. States have cut funding, colleges have raised tuition, and students have needed to borrow more – much more – to pay for college costs.  \nEvery year since its founding in 2005, The Institute for College Access & Success has documented the rising tide of student debt. As shown in these pages, student debt has grown markedly over that time and remains near all-time highs for the Class of 2019.  \nAlthough growth in graduates’ debt has flattened in the past few years, and declined very slightly this year, many recent borrowers struggle to repay their loans. Lowincome students, Black and Latino students, students who do not complete their programs, and students who attend for-profit colleges are disproportionately likely to struggle to repay.  \nThanks in part to our research and advocacy, more than 8 million students repay their loans as a share of their incomes, an option that was rare in 2005. Pell Grants have grown by more than 20 percent per student after inflation. Strong accountability regimes have demonstrated that career programs can offer better value to their students. Most importantly, colleg","cbCaicnc8ZrqILJl","https://ap.wps.com/l/cbCaicnc8ZrqILJl","pdf",1650935,44,"English","# Letter from the President\n# Overview and Key Findings\n# About This Report and the Data We Used\n# National Trends in Student Debt for College Graduates\n## State Funding and Other Factors\n## The Covid-19 Pandemic and College Affordability\n## How Successfully are Bachelor’s Degree Recipients Repaying their Loans?\n## Student Debt of Black Bachelor’s Degree Recipients in Context\n# Student Debt by State\n## Fifteen-Year Debt Trends by State: 2004 to 2019\n# Student Debt at Colleges\n## Student Debt at For-Profit Colleges\n# Data on Debt at Graduation\n## Private (Nonfederal) Loans\n# What Colleges and States Can Do\n## Institutional Policy Ideas for Reducing Debt Burdens\n## State Policy Ideas for Reducing Debt Burdens\n# Federal Policy Recommendations to Reduce the Burden of Student Debt\n## Invest in Students and Public Colleges\n## Extend & Expand Emergency Student Loan Relief\n## Improve Transparency and Oversight\n# Methodology: Where the Numbers Come From and How We Use Them","[{\"question\":\"What is the purpose of Student Debt and the Class of 2019?\",\"answer\":\"It is TICAS’ fifteenth annual report analyzing student loan debt of recent graduates and documenting how debt varies across states and colleges.\"},{\"question\":\"What national findings does the report highlight for the Class of 2019?\",\"answer\":\"The report finds that more than six in ten (62%) public and nonprofit college seniors had student loan debt, and borrowers owed an average of $28,950 in 2019.\"},{\"question\":\"How does the report explain repayment challenges and who is most affected?\",\"answer\":\"It describes that many borrowers struggle to repay, with low-income students, Black and Latino students, students who do not complete programs, and students at for-profit colleges facing higher likelihood of repayment difficulties.\"}]","Student Debt and the Class of 2019 - TICAS fifteenth annual report | PDF",1792058431,111]