What is the recommended maximum student loan debt for someone expecting a starting salary of $35,000?

The recommended maximum student loan debt for someone expecting a starting salary of $35,000 is $34,000 because financial experts typically suggest that students should borrow no more than their expected first-year salary. This guideline helps ensure that graduates can comfortably manage their loan repayment without being overwhelmed by debt in relation to their income.

When the starting salary is $35,000, borrowing up to $34,000 aligns with this principle, as it is just slightly less than the expected salary. This amount allows for manageable monthly payments over time, typically using a standard repayment plan, which is structured to be around 10% of the borrower's income.

Additionally, considering factors such as interest rates and the total cost of education over time reinforces the idea that keeping debts close to the anticipated income level helps maintain financial stability after graduation. Thus, borrowing $34,000 supports the general advice for graduates entering the job market with this salary expectation.