Your chart showing Ratio of Student Debt to Median Earnings of Bachelor’s Degree Holders seems misleading. It shows Sun City West, AZ and Green Valley AZ as the US communities with the most leveraged student debt. Both of these are retirement communities. The median age in Sun City West is 75, and the median age in Green Valley is 72. I suppose it is possible that there are a few working people in those communities who have student debt, but those people are not a good representation of the community demographics.