These ranged from the average student debt load and availability of student-loan assistance programs to the unemployment rate among young adults and the percentage of borrowers behind on their payments. 7 overall in WalletHub’s ranking, signaling that student debt remains a significant challenge across the state. While the average debt per borrower isn't among the worst nationally, ranked 29th, other factors pushed Kentucky higher on the list. Read on to learn more about how you can start saving now. [ Gallery Credit: Bethany AdamsKentucky student debtWalletHub student loan rankings2025 student debt by stateaverage student loan debtstates with most student debtstudent debt burden 2025unemployment and student loans