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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
Richmond city has a median student loan balance of $24,214 among borrowers, with 22.8% of adults carrying student loan debt. The balance equals about 27% of average household income.
Median balance
$24,214
Borrower share
22.8%
Monthly payment
$185
Debt-to-income
27%
State median balance
$817 above state median balance (3%)
National median balance
$3,589 above national median balance (17%)
Borrower share
22.8% of adults in the county have student loan debt
Average household income: $89,005
Delinquency signal: 2.3%
State median balance: $23,398
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.
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