Students who graduate from college with more than $50,000 in student loans are more likely to have a high-cost college debt.
A new report from the U.S. Department of Education’s Office of Civil Rights finds that debtors who borrow more than that often have higher-than-average debt levels and are more at risk of defaulting on their loans.
The report is part of a larger effort to better understand student debt in the U, and the findings come as the Obama administration’s efforts to curb the spiraling amount of debt have received a boost from the Trump administration.
The OCR study found that debt holders with a college degree earn on average 7.6 percent less than debtors without a college education.
For borrowers with some postsecondary education, debt levels were even more severe, with graduates with less than a high school diploma earning more than those with some college.
The analysis focused on graduates of four-year public and private institutions.
Debtors with at least a bachelor’s degree were found to have debt levels of 4.2 percent of their total earnings, compared with 7.5 percent for graduates with some form of postsecondary school, and 6.2 of graduates with a high college degree.
The study found the average monthly debt for those with a bachelor degree was $11,900.
For graduates with no postsecondary schooling, the average debt was $15,300.
In fact, the median monthly debt was over $30,000, the report said.
That is because students who are earning less than $20,000 per year and those with debt levels above $30 or $40,000 have lower levels of debt than students with no debt, the OCR said.
It found that students with low- to no postgraduate education debt levels had higher debt loads than students who had more than a college diploma.
Those with a postsecondary degree, or some form, were also more likely than those without a postgraduate degree to be underwater on their debt than those who did not graduate with debt.
The highest debt levels, the analysis found, were among students with a graduate degree, those with less postsecondary experience, and students with at-risk debt levels.
In the past, debtors with less education were more likely and more likely still to default on their student loans.
But with the election of President Donald Trump, a new wave of student debt collectors has begun targeting those with higher debt levels in the hopes of collecting on those debts.
The Trump administration is considering eliminating the Federal Student Aid Loan Repayment Assistance Program, which provides financial aid to students with outstanding student loans, and other government programs that offer student loans for repayment.
The proposed changes would reduce funding for programs like Pell Grants and other loan repayment assistance programs, as well as help lower-income students who have student loans to pay their debt.
But many colleges and universities are pushing back.
In a statement, the American Association of University Professors said the OCC report does not consider student debt levels for all students, and that it “further confirms what many of us have known for a long time: the student debt crisis is not just a college issue.
Our schools must continue to lead the way in addressing student debt, and we will continue to work together to make our schools safer and more affordable places to study.”