CNN — The average college graduate from the Class of 2013 has about $35,000 in student loan and credit card debt.
If they live in certain states, they might not have to pay back those loans.
Nearly 12 percent of all student promissory notes are at least 90 days past due.
New data from the New York Federal Reserve Bank shows that West Virginia has the highest rate of delinquent students loans which is almost 18 percent. South Dakota has the lowest delinquency rate at 6.6 percent.
Student loans have been in the political and financial spotlight lately. They were the only type of debt to increase during the recession.
The average balance is close to $25,000.