With student loan delinquency rates increasing in 32 states in the first quarter of 2025, the personal-finance company WalletHub has released its updated report on the States Where Student Loan Delinquency Is Increasing the Most. The report highlights where borrowers face the highest risk of credit score damage and other financial setbacks, based on proprietary WalletHub user data from Q4 2024 to Q1 2025.
| Increasing the Most | Increasing the Least |
| 1. Missouri | 41. Oregon |
| 2. Hawaii | 42. Louisiana |
| 3. Vermont | 43. Minnesota |
| 4. West Virginia | 44. Florida |
| 5. Arizona | 45. Wyoming |
| 6. Michigan | 46. Nevada |
| 7. New Mexico | 47. Nebraska |
| 8. Massachusetts | 48. Rhode Island |
| 9. Arkansas | 49. Delaware |
| 10. Kansas | 50. Alaska |
For the full report and to see where your state ranks, please visit:
https://wallethub.com/edu/
“Being delinquent on student loans has the potential to ruin your finances and your credit score, but if you’ve only recently become delinquent you do have time to get back on track. Federal student loans don’t get reported to the credit bureaus as delinquent until you’re 90 days behind on payments, though private loans may report delinquency after as few as 30 days. If you’re having trouble paying, it’s important to contact your lender as soon as possible to try to work out a solution.”
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“Student loan delinquency is increasing the most in Missouri, as the state’s residents were delinquent on 59.6% more student loans in Q1 2025 than Q4 2024. What’s interesting is that Missouri’s delinquency doesn’t seem to be the result of taking on excessive student loan debt. Missouri only ranks 24th among the states where people have the most student loan debt. In addition, the average student loan payment in the state is just $166 per month, the seventh-lowest in the U.S. On the other hand, Missouri ranks 47th among the states where consumer debt is increasing the most, so other types of borrowing are less of a factor in making it difficult to keep up with student loan payments.”
- John Kiernan, WalletHub Editor
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