The Beehive State tops the list in this year’s rankings, due in part to its overall employment and student loan conditions. Utah has one of the highest average incomes nationally, low unemployment rates, and the cost-of-living is below the national average. Only half of the population carries any student debt, and Utah ranks in the top five nationally for student debt-to-income ratio. The student loan default rates are low in Utah as well — significantly below the national average, showing that residents of Utah are savvy when it comes to managing their money.