Student loans rank as the highest debt for Americans after housing mortgages, but students in some states do better than in others.

The cost of a college education continues to rise, and fewer and fewer families can afford it without having the students take out loans. Currently, 11.1 percent of students loans are in delinquency or default, according to WalletHub, a personal finance website.

WalletHub analyzed student loan debt in the 50 states and District of Columbia relative to the strength of the economy, residents’ income levels, the unemployment rate for people age 25 to 34, and the proportion of students with debt.

Following are the 10 states WalletHub considers the worst for student debt and some of the reasons they earned a poor ranking, with the worst listed last.

No. 10 Oregon

Students and former students have the fourth highest debt as compared to a percentage of income.