(STACKER) – In August 2022, President Biden announced his plan for student loan forgiveness, garnering elation from many borrowers and criticism from those who felt the measure did not go far enough to alleviate the financial burden. However, the plan’s rollout did not go smoothly. As millions of borrowers’ applications flooded in—and the student loan debt crisis surpassed $1.74 trillion—student loan forgiveness is projected to hit a snag—or several.

Several court cases have continued to stall forgiveness efforts, tying up the execution of debt cancellation in legal purgatory. The sheer volume of applications has also created a backlog of roughly 2 million candidates, resulting in wait times exceeding three months. Further delaying the loan forgiveness process for many applicants are ongoing proceedings in a $6 billion settlement against a group of colleges, many of which are private for-profit institutions accused of defrauding students and other misconduct. Several colleges named in the settlement have appealed the decision.

As college enrollment continues to decline due to various factors—lack of affordability, fear of taking on debt, and doubts about the value of a degree, among others—making an informed decision about which college to attend has taken on an even greater sense of urgency. Stacker ranked the 35 colleges with the highest median debt after graduation, using Department of Education data on more than 5,200 U.S. colleges for the 2020-21 school year. 

This analysis only includes loans accumulated while at the school awarding the graduation credentials—it doesn’t include private loans, parent loans, or loans originated at other schools for transfer students. Average annual costs include tuition, housing, materials, and fees, minus the average grants and scholarships awarded. Where cost information was unavailable from the DOE’s College Scorecard, costs were retrieved from the schools’ respective websites. Annual costs are listed, along with estimated enrollment, but don’t factor into the ranking.

Many schools on the list are private for-profit schools, which have long been embroiled in accusations of predatory lending behavior. Religious schools and art and design institutions are also frequent additions. Only one school on the list is a public university.

#35. Dillard University, Louisiana (tie)

– Median student debt at graduation: $31,250
– Average annual cost: $19,105

#35. Methodist College, Illinois (tie)

– Median student debt at graduation: $31,250
– Average annual cost: $25,714

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#34. Amridge University, Alabama

– Median student debt at graduation: $31,417
– Average annual cost: $17,618

#33. Morris College, South Carolina

– Median student debt at graduation: $31,450
– Average annual cost: $16,397

#32. Shaw University, North Carolina

– Median student debt at graduation: $31,500
– Average annual cost: $23,809

#31. Ashford University, California

– Median student debt at graduation: $31,802
– Average annual cost: $20,987

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#30. Tougaloo College, Mississippi

– Median student debt at graduation: $32,100
– Average annual cost: $13,382

#29. University of Phoenix-Arizona, Arizona

– Median student debt at graduation: $32,421
– Average annual cost: $52,572

#28. Aviation Institute of Maintenance-Manassas, Virginia

– Median student debt at graduation: $32,500
– Average annual cost: $24,161

#27. American InterContinental University-Atlanta, Georgia

– Median student debt at graduation: $32,501
– Average annual cost: $44,466

#26. Livingstone College, North Carolina

– Median student debt at graduation: $32,875
– Average annual cost: $17,593

#25. Laurus College, California

– Median student debt at graduation: $32,937
– Average annual cost: $11,683

#24. Newschool of Architecture and Design, California

– Median student debt at graduation: $32,985
– Average annual cost: $37,654

#23. Miles College, Alabama

– Median student debt at graduation: $33,000
– Average annual cost: $14,912

#22. Peirce College, Pennsylvania

– Median student debt at graduation: $33,014
– Average annual cost: $8,382

#21. Humphreys University-Stockton and Modesto Campuses, California

– Median student debt at graduation: $33,167
– Average annual cost: $12,075

#20. Lane College, Tennessee

– Median student debt at graduation: $33,177
– Average annual cost: $14,109

#19. West Coast University-Miami, Florida

– Median student debt at graduation: $33,319
– Average annual cost: $173,224

#18. Stratford University, Virginia

– Median student debt at graduation: $33,374
– Average annual cost: $24,789

#17. Southern California Institute of Architecture, California

– Median student debt at graduation: $33,750
– Average annual cost: $49,091

#16. Benedict College, South Carolina

– Median student debt at graduation: $34,500
– Average annual cost: $12,678

#15. Allen University, South Carolina

– Median student debt at graduation: $35,000
– Average annual cost: $13,963

#14. Nazarene Bible College, Colorado

– Median student debt at graduation: $36,253
– Average annual cost: $50,944

#13. Grambling State University, Louisiana

– Median student debt at graduation: $36,750
– Average annual cost: $16,964

#12. Provo College, Utah

– Median student debt at graduation: $37,000
– Average annual cost: $18,427

#11. American University of Health Sciences, California

– Median student debt at graduation: $37,584
– Average annual cost: $22,951

#10. Boston Architectural College, Massachusetts

– Median student debt at graduation: $38,739
– Average annual cost: $28,343

#9. Strayer University-District of Columbia, Washington D.C.

– Median student debt at graduation: $40,023
– Average annual cost: $256,174

#8. Everglades University-Orlando, Florida

– Median student debt at graduation: $40,625
– Average annual cost: $30,535

#7. Martin University, Indiana

– Median student debt at graduation: $41,604
– Average annual cost: $14,764

#6. Eagle Gate College-Layton, Utah

– Median student debt at graduation: $41,639
– Average annual cost: $37,159

#5. Platt College-Aurora, Colorado

– Median student debt at graduation: $41,667
– Average annual cost: $41,735

#4. American Baptist College, Tennessee

– Median student debt at graduation: $43,000
– Average annual cost: $20,631

#3. Huntsville Bible College, Alabama

– Median student debt at graduation: $43,625
– Average annual cost: $19,528

#2. Design Institute of San Diego, California

– Median student debt at graduation: $45,000
– Average annual cost: $40,842

#1. The North Coast College, Ohio

– Median student debt at graduation: $48,148
– Average annual cost: $20,553