Student debt is a fact of life, like consumer debt or mortgage debt, but it has reached crisis levels in the United States. In a single generation, the number of debt holding graduates has shot up 25% and the amount they owe averages about two-and-a-half times more than the graduates of two decades ago.

According to WalletHub, there are better states than others to be an indebted graduate -- and the "best" among them are states in which indebtedness is low and opportunities are plentiful. These states are Elysian fields, really, where young people frolic freely and roll their naked bodies through piles of money -- because they're making a lot of it relative to their cost of living. Hyperbole aside, the underlying point of WalletHub's study is that while debt is a universal fact, debtors can pay it down faster if they can live inexpensively and work reliably.

WalletHub's methodology addressed two major categories: "Loan Indebtedness" (weighing the average student debt in a single state, proportion of students in debt, debt as a percentage of income, percentage in default, percentage of loan-borrowers over the age of 50) and "Grant and Work Opportunities for Students" (availability of student jobs, paid internships, and grants). As the cost of tuition (and room and board) continues to climb, and strategies to avoid student loans continue to weaken, all that's left is to accept your fate and sign on the dotted line. In that event, you'll need some strategies for the inevitable: life after you enter into repayment.