P
Pulsafi

Average Student Loan Debt (2026)

$37,338
Average federal student loan debt per borrower
Summary

The average federal student loan debt per borrower is approximately $37,338 in 2026. Total US student loan debt sits at $1.73 trillion across 43.6 million borrowers. The average monthly federal payment is $337. Private student loan debt adds another $130 billion outside the federal total.

Breakdown

Avg federal balance$37,338
Total federal student debt$1.73T
Total borrowers43.6M
Avg monthly payment$337
Private student debt$130B
Source
US Department of Education· As of 2026-Q1

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All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.