The study shows students and graduates across the country owe over $1 trillion in student loans.
But California seems to have a handle on it.
A study by the Institute for College Access and Success shows that only 51% of California graduates took on debt.
Compare that with 66% nationwide.
The average debt for 2011 was about $26,000.
That's up 5% from 2010.
Fresno Pacific is working to keep its numbers down with proper financial counseling.
John Endicott, Interim VP of Enrollment Services: "So that a student recognizes that books and supplies are important and that if they do have money left over, to put it into the band and take out a lower loan amount the following year."
Fresno Pacific senior, and employee, Jason Herron says he's got his $27,000 in loans under control.
"Paid off 2 of my student loans I've taken on so far. I'm working on the third. I think I'll have it done by december. So I'm paying it off as I'm working here."
For Joshlyn Prado, it may take a little longer to pay off her $15,000 in school loans.
"You know, I'm not sure. I'm really not because I'm going to go to grad school. So I'm going to have even more student loans after this. I would say in about 10 years."
At Fresno State, officials say an increase in fees, and a poor job market are contributing to the numbers.
Fresno State grads owed an average of $14,000 last year, with 67% taking their debts into the workforce.
Recent government figures show nearly 10% of borrowers using federal student loans default within two years of starting repayment.
If you, or someone you know, are taking on a student loan, or paying off loans, fresno pacific suggests talking to school counselors, rather than seeking help online.
School officials say beware of scams that charge a fee to qualify for a loan.