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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
Bedford County has a median student loan balance of $20,998 among borrowers, with 13.4% of adults carrying student loan debt. The balance equals about 29% of average household income.
Median balance
$20,998
Borrower share
13.4%
Monthly payment
$173
Debt-to-income
29%
State median balance
$1,981 below state median balance (9%)
National median balance
$373 above national median balance (2%)
Borrower share
13.4% of adults in the county have student loan debt
Average household income: $73,543
Delinquency signal: 0.0%
State median balance: $22,979
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