Student loans can be a good investment in an individual's future, providing financial access to higher education and improved chances of economic success after college. However, avoiding undue financial obligations and maximizing the return on investment require careful planning and prudent borrowing. Estimating whether the student loan debt burden will be manageable and offset by sufficient wages in the future is essential for a sound decision on the potential benefits of higher education. With students taking on record levels of student loan debt, it is important to explore the scope and limits of affordable debt and the relationship between the optimal amount of borrowing and expected post-graduation earnings. This study focuses on the potential burden of student loan repayment incurred by bachelor's degree graduates from Kentucky institutions with various academic majors using a debt-to-income analysis (comparisons of annual student loan debt to annual income). The report is organized as follows: Section 1 displays the percentage of graduates with loan debt and the average student loan debt at graduation broken down by gender, age, socio-economic status, race and ethnicity, and fields of study. Section 2 presents data on average annual earnings by academic area and institutional sector. Section 3 explores the relationship between average earnings and loan debt levels through shares of earnings needed to repay loans under the traditional 10-year repayment plan. Findings and policy implications are discussed in the concluding section. The report closes with Notes and Technical Details.