From 2011-2021 student loan delinquency in Massachusetts has greatly fluctuated. Student loan delinquency refers to one’s ability to pay off student loan debt. Prior to 2020, 2011 was the last year in which it was easiest for students in Massachusetts to take care of their student loan debts. 

Over a one-year time period, between 2011 and 2012, student loans delinquency rates in Massachusetts increased by 31 percent. This percent change proves that Massachusetts students struggled to pay off student loans much more in 2012 than in 2011. 

From 2012-2019 there was no specific trend in student loan delinquency for Massauchetts students, but 2020 reflects a major shift with fewer students defaulting on their loans. 

In Massachusetts, student loan delinquency falls just below four percent in 2020. Since the COVID-19 pandemic began, the federal government deferred all federal student loan payments. One might wonder how student loan delinquency rates will vary as the federal government resumes mandatory student loan payments in January of 2022.