Post-OBBBA annual residual (wage − taxes − living costs − loan payments) for every state, at the BLS OEWS May 2025 state mean RDN wage. Federal tranche on RAP; private remainder at tier APR; 22% marginal tax. Click a column header to sort. Note: state means span all experience levels — new graduates typically enter near the 25th percentile (nationally $63,080 vs the $77,130 mean), so these residuals are optimistic for new grads; the calculator's career-stage toggle adjusts for it.
| State | Mean wage | Debt service | Urban $35K | Metro $42K | Break-even wage |
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