The state with the lowest is Utah.

Time Money reports.

These Are the States Where Students Borrow the Least for College

The amount of debt that students are taking on to earn a four-year degree continues to inch up, with the Class of 2014 carrying an average $28,950 per-graduate burden. That’s up 2% from the previous year, according to a new report from The Institute for College Access & Success (TICAS).

Over the past decade, the average debt load has jumped 56%, or more than twice the 25% rise in inflation.

But it also turns out that debt levels vary widely by state. And because most students attend college in their home state, where you live can have a big effect on how much debt you graduate with.

The state averages range from a low of about $18,900 in Utah to $33,800 in Delaware. High-debt states tend to be concentrated in the Northeast and Midwest, while low-debt states are mostly in the West. In five states (Delaware, Hawaii, Illinois, Kentucky, and Maryland) the average debt of new graduates rose more than triple the inflation rate in the past decade.