Alaskans have an average of $28,782 of it. Residents of Delaware have $33,649. Wherever you may live, student loan debt is a problem that hits home. Seven in 10 college seniors owe a national average of $29,400 in student loans. Combine that with 37 million student borrowers, and you have a $1 trillion (and growing) crisis. That’s right: Student loans are the biggest form of consumer debt outside of mortgages.