Student debt is an unfortunate reality for most U.S. college graduates. Roughly 70 percent of grads leave college with student debt, and over 44 million Americans hold a total of $1.4 trillion in student loan debt.

For federal student loans, the standard repayment plan expects borrowers to pay off their debt in less than 10 years. For many, however, it can take twice as long.

Research from Citizens Financial Group suggests that 60 percent of student debt borrowers expect to pay off their loans in their 40s. Data collected at the state level supports these findings. A study from the OneWisconsin Institute finds that it takes graduates of Wisconsin universities 19.7 years to pay off a bachelor’s degree and 23 years to pay off a graduate degree.