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Analyzing your situation…
Applying 2026 federal policy rules to your loan profile…
This usually takes 15–20 seconds on your first visit.
County student loan debt profile
Adams County has a median student loan balance of $22,722 among borrowers, with 19.6% of adults carrying student loan debt. The balance equals about 41% of average household income.
Median balance
$22,722
Borrower share
19.6%
Monthly payment
$154
Debt-to-income
41%
State median balance
$3,208 above state median balance (16%)
National median balance
$2,097 above national median balance (10%)
Borrower share
19.6% of adults in the county have student loan debt
Average household income: $55,372
Delinquency signal: 1.1%
State median balance: $19,514
National median balance: $20,625
Source ledger
Debt-to-income ratio
Calculated as median student loan balance among borrowers divided by average household income in the Urban dataset.
Suppression
Urban reports NA where data are unavailable or suppressed, including small credit bureau samples.
Local scope
County pages are generated only from county-level rows with enough unique metrics for an indexable profile.
County medians describe local debt patterns, not your exact balance. Use the calculator to compare standard repayment with income-driven repayment assumptions.
Open IDR calculator