The student loan debt levels of Texas borrowers are rising quickly. Even so, the debt loads of typical Texas borrowers do not appear to be very high. At present, the typical Texas borrower should be able to afford his or her payments. Some Texas borrowers have very large debt loads. Debt is rising the fastest at Texas four-year institutions.
Borrowers take advantage of the higher loan limits available at higher grade levels.
Indebtedness increases with rises in the cost of attendance. Financial assistance from non-loan sources might not do much to reduce the borrowing of students who are inclined to borrow in the first place. Further research using a better data source should be conducted to verify this result. High indebtedness is related to an increased likelihood of repayment problems. Borrowers who consolidate their TG loans have much less difficulty during repayment.