The Consumer Financial Protection Bureau (CFPB) suggests that your student loan payment should be no more than 10% of your gross income to keep the loan affordable and reduce the risk of delinquency and default
. Some sources specify this as 10% of your discretionary income (income after necessary living expenses), but the general guideline widely cited is 10% of gross salary
. This rule helps borrowers manage their debt responsibly relative to their expected earnings after graduation.
