Every state. Four cost tiers. RAP vs. standard.

Post-OBBBA annual residual (wage − taxes − living costs − loan payments) for all 50 states + DC, at the BLS OEWS May 2025 state mean RDN wage. Toggle the program-cost tier and the federal repayment plan; click a column to sort; download the whole matrix below.

How to read this: RAP is the new income-based default — your federal payment is a percentage of income (7% at the national mean), so the residual looks gentler but the loan runs 30 years. Standard 10-year amortizes the federal tranche at 7.94% — higher annual cost, paid off sooner. Either way, the private tranche (anything above the $71,000 federal cap) is fixed 10-year debt. State means span all experience levels; a new graduate enters near the 25th percentile (~$63,080 nationally vs. the $77,130 mean), so every row here is optimistic for a new grad — the calculator's career-stage toggle adjusts for that.