Each year U.S. News & World Report lists law schools by the average indebtedness of their graduates. Importantly, the figures exclude accrued interest, which can be quite considerable. However, these numbers are probably the best estimate of the cost of attendance at a particular law school presented in a comparable form. The ABA does not publicize graduate debt in the 509 information reports, making U.S. News an unfortunately necessary source.
Here’s the debt table. A recurring problem in U.S. News’ debt data is law schools that misreport their graduating students’ annual debt as opposed to their cumulative debt, which is what the magazine asks for. Thus, I include last year’s numbers for illustration and encourage ridicule of law schools that cannot follow basic directions, but I welcome corrections.
# | SCHOOL | 2015 DEBT | 2016 DEBT | PCT. CHANGE |
---|---|---|---|---|
1. | Thomas Jefferson | 172,726 | 182,411 | 5.6% |
2. | Whittier | 148,316 | 179,056 | 20.7% |
3. | San Francisco | 162,434 | 167,671 | 3.2% |
4. | New York University | 166,022 | 167,646 | 1.0% |
5. | Georgetown | 160,606 | 166,027 | 3.4% |
6. | American | 160,274 | 164,194 | 2.4% |
7. | Golden Gate | 143,740 | 161,809 | 12.6% |
8. | Columbia | 168,627 | 159,769 | -5.3% |
9. | John Marshall (Chicago) | 162,264 | 158,888 | -2.1% |
10. | Florida Coastal | 160,942 | 158,878 | -1.3% |
11. | Cornell | 155,025 | 158,128 | 2.0% |
12. | New York Law School | 161,910 | 157,568 | -2.7% |
13. | Pennsylvania | 144,153 | 156,725 | 8.7% |
14. | Virginia | 146,907 | 155,177 | 5.6% |
15. | Northwestern | 155,796 | 154,923 | -0.6% |
16. | Pepperdine | 148,959 | 154,475 | 3.7% |
17. | Elon | 128,407 | 153,347 | 19.4% |
18. | Harvard | 149,754 | 153,172 | 2.3% |
19. | Ave Maria | 134,071 | 152,476 | 13.7% |
20. | Detroit Mercy | 137,047 | 152,000 | 10.9% |
21. | Barry | 138,410 | 151,479 | 9.4% |
22. | Denver | 132,158 | 150,055 | 13.5% |
23. | Santa Clara | 144,130 | 149,940 | 4.0% |
24. | Miami | 155,796 | 149,580 | -4.0% |
25. | Willamette | 133,318 | 148,429 | 11.3% |
26. | Nova Southeastern | 123,798 | 147,879 | 19.5% |
27. | California Western | 162,260 | 147,302 | -9.2% |
28. | Loyola (CA) | 148,035 | 146,494 | -1.0% |
29. | Michigan | 142,572 | 146,309 | 2.6% |
30. | California-Berkeley | 144,981 | 145,260 | 0.2% |
31. | George Washington | 136,662 | 145,240 | 6.3% |
32. | Baylor | 135,817 | 144,732 | 6.6% |
33. | Pacific, McGeorge | 149,470 | 144,431 | -3.4% |
34. | Chapman | 103,956 | 144,409 | 38.9% |
35. | Marquette | 138,549 | 142,601 | 2.9% |
36. | Hofstra | 125,300 | 142,261 | 13.5% |
37. | Southern California | 134,673 | 140,745 | 4.5% |
38. | Seattle | 136,889 | 139,745 | 2.1% |
39. | Lewis and Clark | 140,025 | 139,624 | -0.3% |
40. | Tulane | 153,606 | 139,508 | -9.2% |
41. | Duke | 131,073 | 137,829 | 5.2% |
42. | Stanford | 132,970 | 137,625 | 3.5% |
43. | Charleston | 146,230 | 137,345 | -6.1% |
44. | California-Hastings | 135,886 | 137,157 | 0.9% |
45. | Valparaiso | 131,024 | 136,765 | 4.4% |
46. | Mercer | 138,575 | 135,300 | -2.4% |
47. | Suffolk | 138,724 | 135,272 | -2.5% |
48. | Widener (Delaware) | 136,992 | 135,151 | -1.3% |
49. | Chicago | 129,636 | 134,148 | 3.5% |
50. | Catholic | 139,803 | 133,917 | -4.2% |
51. | Campbell | 115,128 | 131,894 | 14.6% |
52. | Creighton | 117,980 | 130,145 | 10.3% |
53. | Widener (Commonwealth) | 148,496 | 129,016 | -13.1% |
54. | Stetson | 130,079 | 128,703 | -1.1% |
55. | San Diego | 135,433 | 127,693 | -5.7% |
56. | Samford | 124,106 | 127,611 | 2.8% |
57. | Vanderbilt | 114,447 | 127,434 | 11.3% |
58. | DePaul | 131,148 | 126,446 | -3.6% |
59. | Roger Williams | 123,332 | 126,334 | 2.4% |
60. | Southern Methodist | 124,723 | 126,172 | 1.2% |
61. | Seton Hall | 133,000 | 125,300 | -5.8% |
62. | Pace | 124,823 | 124,317 | -0.4% |
63. | Regent | 93,142 | 124,221 | 33.4% |
64. | Notre Dame | 122,822 | 123,924 | 0.9% |
65. | Yale | 122,796 | 121,815 | -0.8% |
66. | Western New England | 121,367 | ||
67. | Emory | 121,278 | 120,804 | -0.4% |
68. | Washington | 111,003 | 120,554 | 8.6% |
69. | Western State | 122,315 | 119,382 | -2.4% |
70. | Mississippi College | 129,000 | 119,000 | -7.8% |
71. | Cardozo, Yeshiva | 119,294 | 118,764 | -0.4% |
72. | St. Mary’s | 122,560 | 118,583 | -3.2% |
73. | California-Los Angeles | 118,874 | 118,291 | -0.5% |
74. | George Mason | 121,910 | 118,056 | -3.2% |
75. | Penn State (Penn State Law) | 129,772 | 117,692 | -9.3% |
76. | Brooklyn | 108,942 | 117,581 | 7.9% |
77. | St. John’s | 115,666 | 117,572 | 1.6% |
78. | St. Louis | 113,070 | 117,335 | 3.8% |
79. | Syracuse | 139,753 | 117,127 | -16.2% |
80. | Fordham | 149,058 | 116,326 | -22.0% |
81. | Texas A&M [Wesleyan] | 104,200 | 115,405 | 10.8% |
82. | Maryland | 114,493 | 113,927 | -0.5% |
83. | Drake | 107,679 | 112,893 | 4.8% |
84. | Northeastern | 127,406 | 111,410 | -12.6% |
85. | Penn State (Dickinson Law) | 116,717 | 109,828 | -5.9% |
86. | Gonzaga | 125,347 | 109,692 | -12.5% |
87. | Boston College | 112,439 | 108,873 | -3.2% |
88. | Dayton | 115,740 | 108,724 | -6.1% |
89. | Duquesne | 104,623 | 108,414 | 3.6% |
90. | Baltimore | 112,008 | 108,328 | -3.3% |
91. | Chicago-Kent, IIT | 115,040 | 107,688 | -6.4% |
92. | Albany | 125,157 | 107,185 | -14.4% |
93. | Minnesota | 92,179 | 106,436 | 15.5% |
94. | Washington and Lee | 110,067 | 105,426 | -4.2% |
95. | District of Columbia | 108,095 | 105,330 | -2.6% |
96. | Wake Forest | 97,550 | 105,090 | 7.7% |
97. | Indiana (Indianapolis) | 106,114 | 105,065 | -1.0% |
98. | Boston University | 102,329 | 104,755 | 2.4% |
99. | Richmond | 110,665 | 104,624 | -5.5% |
100. | Ohio Northern | 102,414 | 104,284 | 1.8% |
101. | Pittsburgh | 104,484 | 103,990 | -0.5% |
102. | California-Davis | 113,765 | 103,811 | -8.7% |
103. | Texas | 102,101 | 103,417 | 1.3% |
104. | Case Western Reserve | 105,854 | 102,370 | -3.3% |
105. | Oklahoma City | 121,607 | 102,024 | -16.1% |
106. | Quinnipiac | 97,335 | 101,371 | 4.1% |
107. | St. Thomas (MN) | 101,950 | 100,805 | -1.1% |
108. | Mitchell|Hamline | 108,019 | 100,603 | |
109. | Colorado | 107,080 | 100,499 | -6.1% |
110. | California-Irvine | 125,473 | 100,408 | -20.0% |
111. | Indiana (Bloomington) | 91,020 | 99,895 | 9.8% |
112. | Illinois | 118,731 | 99,782 | -16.0% |
113. | Villanova | 110,792 | 99,736 | -10.0% |
114. | Louisville | 86,880 | 99,581 | 14.6% |
115. | Massachusetts — Dartmouth | 102,603 | 98,730 | -3.8% |
116. | Arizona State | 106,426 | 97,780 | -8.1% |
117. | Nevada | 81,579 | 97,361 | 19.3% |
118. | Houston | 87,602 | 97,246 | 11.0% |
119. | Drexel | 100,362 | 96,402 | -3.9% |
120. | New Hampshire | 108,896 | 95,650 | -12.2% |
121. | North Carolina | 102,828 | 95,365 | -7.3% |
122. | Florida International | 95,331 | 93,838 | -1.6% |
123. | Washington University | 109,232 | 93,768 | -14.2% |
124. | Missouri (Kansas City) | 96,639 | 93,678 | -3.1% |
125. | Utah | 79,124 | 91,982 | 16.3% |
126. | Michigan State | 93,245 | 91,014 | -2.4% |
127. | SUNY Buffalo | 86,970 | 90,546 | 4.1% |
128. | Wyoming | 77,421 | 90,231 | 16.5% |
129. | William and Mary | 110,140 | 90,028 | -18.3% |
130. | Lincoln Memorial | 95,495 | 89,779 | -6.0% |
131. | Southern University | 86,708 | 89,552 | 3.3% |
132. | Maine | 99,617 | 89,513 | -10.1% |
133. | South Carolina | 85,006 | 89,388 | 5.2% |
134. | Kansas | 80,884 | 88,809 | 9.8% |
135. | Florida State | 82,102 | 88,732 | 8.1% |
136. | Loyola (IL) | 133,052 | 88,588 | -33.4% |
137. | Ohio State | 96,253 | 88,301 | -8.3% |
138. | Southern Illinois | 90,727 | 87,634 | -3.4% |
139. | Temple | 86,999 | 86,937 | -0.1% |
140. | Northern Illinois | 77,975 | 86,899 | 11.4% |
141. | Idaho | 81,993 | 86,022 | 4.9% |
142. | Toledo | 94,295 | 85,649 | -9.2% |
143. | Arizona | 100,902 | 84,601 | -16.2% |
144. | Louisiana State | 90,609 | 83,919 | -7.4% |
145. | Oklahoma | 82,818 | 83,433 | 0.7% |
146. | Akron | 78,575 | 82,854 | 5.4% |
147. | West Virginia | 85,063 | 82,683 | -2.8% |
148. | Hawaii | 54,988 | 82,510 | 50.1% |
149. | Florida | 84,580 | 82,480 | -2.5% |
150. | Georgia | 86,515 | 82,199 | -5.0% |
151. | Wayne State | 82,397 | 81,738 | -0.8% |
152. | Washburn | 86,621 | 81,528 | -5.9% |
153. | Tennessee | 66,939 | 80,445 | 20.2% |
154. | Missouri (Columbia) | 81,149 | 80,138 | -1.2% |
155. | Texas Tech | 74,673 | 80,087 | 7.3% |
156. | City University | 77,751 | 78,523 | 1.0% |
157. | Wisconsin | 84,650 | 77,555 | -8.4% |
158. | Memphis | 77,752 | 76,997 | -1.0% |
159. | Tulsa | 82,954 | 76,988 | -7.2% |
160. | Alabama | 74,921 | 75,577 | 0.9% |
161. | Cincinnati | 82,988 | 75,512 | -9.0% |
162. | Montana | 79,304 | 75,470 | -4.8% |
163. | New Mexico | 69,366 | 75,277 | 8.5% |
164. | Northern Kentucky | 84,714 | 74,190 | -12.4% |
165. | Iowa | 86,373 | 74,128 | -14.2% |
166. | Liberty | 68,667 | 73,857 | 7.6% |
167. | Connecticut | 69,195 | 72,042 | 4.1% |
168. | Arkansas (Fayetteville) | 64,901 | 67,758 | 4.4% |
169. | Mississippi | 71,330 | 67,539 | -5.3% |
170. | North Dakota | 69,058 | 66,917 | -3.1% |
171. | Arkansas (Little Rock) | 68,960 | 65,931 | -4.4% |
172. | Georgia State | 66,637 | 64,384 | -3.4% |
173. | Nebraska | 58,744 | 62,888 | 7.1% |
174. | North Carolina Central | 27,972 | 60,479 | 116.2% |
175. | Kentucky | 77,793 | 59,163 | -23.9% |
176. | Brigham Young | 62,423 | 58,133 | -6.9% |
177. | South Dakota | 57,170 | 56,609 | -1.0% |
178. | Rutgers | 89,507 | 56,173 | |
179. | Vermont | 156,710 | 52,682 | -66.4% |
180. | Howard | 141,044 | 50,920 | -63.9% |
181. | Belmont | 56,225 | 40,677 | -27.7% |
182. | Loyola (LA) | 124,143 | 39,138 | -68.5% |
183. | South Texas | 121,767 | 38,717 | -68.2% |
184. | Capital | 116,283 | 35,079 | -69.8% |
185. | Cleveland State | 93,865 | 29,051 | -69.1% |
186. | Florida A&M | 20,500 | ||
187. | Faulkner | 18,434 | ||
188. | Oregon | 106,540 | 17,834 | -83.3% |
10TH PERCENTILE | 77,421 | 65,931 | -16.0 | |
25TH PERCENTILE | 86,999 | 85,649 | -6.1% | |
MEDIAN | 112,439 | 105,330 | -1.0% | |
75TH PERCENTILE | 133,318 | 135,151 | 4.5% | |
90TH PERCENTILE | 148,496 | 152,000 | 11.4% | |
MEAN | 111,874 | 107,608 | -2.1% |
Note: Mitchell|Hamline’s 2015 entry is the bare mean average of William Mitchell’s and Hamline’s 2015 figures.
And per this post’s title, here’s the List of Shame: Law schools that chose not to submit their graduates’ debt information to U.S. News, along with their last-reported figures and the year in which they reported them. Thanks to the gainful employment rule, I was able to track down median graduate debt at three for-profits. As I am merciful, I exclude the three Puerto Rico law schools from this count.
- Arizona Summit [Phoenix] – $178,263 [2015, median, for-profit]
- Atlanta’s John Marshall – $161,910 [2015, median, for-profit]
- Charlotte – $145,834 [2015, median, for-profit]
- Touro – $154,855 (2014)
- Southwestern – $147,976 (2012)
- Thomas (FL) – $140,808 (2014)
- New England – $132,246 (2013)
- WMU Cooley – $122,395 (2012)
- Appalachian – $114,740 (2012)
- La Verne – $112,628 (2012)
- Texas Southern – $99,992 (2012)
- Concordia – NEVER
- Indiana Tech – NEVER
These 13 law schools account for 2,282 graduates out of 36,664, or 6 percent of the total.
Normally, I would estimate the change in the weighted-average amount of debt law graduates at public and private law school take on, but because U.S. News reported absurdly high percentages of graduates with debt at each law school, I decline to make those estimates now. However, the unweighted-average private-law-school graduate debt, which is what is commonly reported, fell by 3 percent; it also fell by 4 percent at public law schools. Much of this is due to clear misreporting by law schools, some of which after all these years still report their graduates’ debt in their final year of law school.
Speaking of which, here are some curious results:
- Fluctuations: Hawaii (+50.1%), Chapman (+38.9%), Regent (+33.4%), Whittier (+20.7%), Tennessee (+20.2%), California-Irvine (-20.0%), Fordham (-22.0%), Kentucky (-23.9%), Belmont (-27.7%), and Loyola (IL) (-33.4%).
- Big raspberries: Howard (-63.9), Vermont (-66.4), South Texas (-68.2), Loyola (LA) (-68.5), Cleveland State (-69.1), Capital (-69.8), and Oregon (-83.3).
In all, it’s good the non-reporting count fell. Kudos to the law schools that reported this year that did not for 2015, even if I don’t believe Faulkner’s or Florida A&M’s grads finished with so little debt.
Click to read the 2015 edition, the 2014 edition, or the 2013 edition of this post.
13 schools that did not report how much debt they put their students into = Wall of Shame
After nearly 30 years, I am still slogging through laws school student loan debt. It just does not go down and with all of that compounded interest as a result of underemployment. I have never had a law job nor a great year as a Solo that allowed me to pay down this nut in a meaningful way, given “normal and customary” living expenses. I have applied to dozens of jobs and nothing.
Just a friendly note that I think the percentile chart has a few numbers in the wrong place. For example, the decrease in median debt at graduation from 2015 to 2016 is 6.3%, not 1.0%
Hello, Steven, I thought your comment was one of the linkbacks in the post and not a real comment, so I apologize for not addressing it sooner. (I’ve also been on vacation.) The calculations in the lower right of the table are not based on the numbers to their immediate left. In other words, the “median” is not the change between the 2016 median over the 2015 median. Rather, it’s the median of the percent changes in the column above it.