Are You 35 to 49? Discover How Your Student Loan Balance Stacks Up Against Peers

Core Insights - The federal student loan borrower demographic aged 35 to 49 holds the largest share of student loan debt, totaling $674.9 billion, which accounts for approximately 34% of all borrowers [1] - The average debt per borrower in this age group is about $45,295, marking it as the second-highest average among all age groups [2] Delinquency Rates - Borrowers aged 40 to 49 have the highest delinquency rate, with 28.4% of payments past due as of the first quarter of 2025, while nearly 23% of borrowers aged 30 to 39 are also delinquent [3] - In the third quarter of 2025, about 15% of the student loan balances for borrowers aged 40 to 49 were classified as seriously delinquent, meaning payments had not been made for over 90 days [4] Options for Delinquent Borrowers - Delinquent borrowers have several options to manage their payments, including moving to a cheaper repayment plan or utilizing the Federal Student Aid Loan Simulator to compare plans [5][6] - For borrowers unable to afford any repayment plans, options such as forbearance or deferment can be requested from their servicer [10]