According to a survey conducted in 2022, Black women were the most likely demographic to have student loan debt in the United States, with **** percent of Black women who had attended some college or higher reporting a student loan balance. In comparison, **** percent of Hispanic women and **** percent of White women in the United States with at least some college or higher had student loan debt in 2022.

According to a 2019 survey, differing generations had a wide variety of opinions on who is most responsible for the current level of student loan debt in the United States. 37 percent of Baby Boomers (born 1946-1964) and 36 percent of the Silent Generation (born 1928-1945) placed the blame on the individual whose name was on the loan. In comparison, 23 percent of Generation Z (born 2000 and later) and 16 percent of Millennials (born 1982-1999) placed the blame on the federal government.

Graph and download economic data for Student Loans Owned and Securitized (DISCONTINUED) (SLOAS) from Q1 2006 to Q4 2024 about student, securitized, owned, loans, and USA.

The value of outstanding student loans in the United States has ballooned since the first quarter of 2006. As of the fourth quarter of 2024, American students owed over 1.77 trillion U.S. dollars in student loans. In the first quarter of 2006, this figure stood at 480.9 billion U.S. dollars.

As of the fourth quarter of 2024, federal student loan borrowers aged between 35 and 49 years had the most student debt out of all age groups in the United States, with a total outstanding debt of ***** billion U.S. dollars. Studies have shown that Black women are the most likely demographic to have student loan debt in the United States.

The student loan debt collection market is experiencing significant growth, driven by the escalating burden of student loan debt globally. The increasing number of student loan borrowers defaulting on their payments fuels the demand for efficient and effective collection strategies. While precise market size figures are unavailable, considering a reasonable CAGR of 8% based on industry trends and the substantial volume of outstanding student loans, the market size in 2025 could be conservatively estimated at $15 billion USD. This growth is fueled by several key drivers, including technological advancements in debt collection (such as AI-powered analytics and automated communication tools), the increasing outsourcing of collection activities by educational institutions and government agencies, and a greater emphasis on regulatory compliance within the debt collection industry. The market is segmented by application (schools, banks, government, non-profits) and collection type (telephone, SMS, email, others). North America currently dominates the market due to the high level of student loan debt in the United States and Canada. However, growing student loan burdens in developing economies, particularly in Asia-Pacific, present lucrative opportunities for expansion. Despite significant growth potential, several restraints challenge the market. These include stringent regulations designed to protect borrowers from aggressive collection practices, increasing borrower awareness of their rights, and the ethical considerations surrounding debt collection in a sensitive area like student loans. The shift towards digital collection methods presents both opportunities and challenges, as institutions balance efficiency with protecting borrower data and maintaining ethical standards. Competition among collection agencies is fierce, requiring agencies to differentiate themselves through advanced technology, personalized communication strategies, and a commitment to ethical debt recovery. The future of the market hinges on the ability of collection agencies to adapt to evolving regulations, technological advancements, and borrower expectations while ensuring the ethical and responsible recovery of student loan debt.

The global student debt recovery services market is experiencing robust growth, driven by the increasing burden of student loan debt worldwide and the rising adoption of sophisticated debt recovery techniques. The market, segmented by application (schools, banks, government, non-profits) and service type (tuition fee, living expenses, other education-related debt), is witnessing a compound annual growth rate (CAGR) exceeding 10% – a figure derived from observing similar financial services sectors and considering the persistent issue of student loan defaults. North America currently holds the largest market share, fueled by high student loan debt levels and a well-established debt recovery infrastructure. However, rapid economic growth and expanding access to higher education in regions like Asia-Pacific are creating significant opportunities for market expansion. Key players in this market are leveraging technological advancements, such as AI-powered analytics and automated debt collection systems, to enhance efficiency and recovery rates. Regulations surrounding debt collection practices also play a significant role, impacting market dynamics and influencing the strategies employed by service providers. The ongoing evolution of these regulations necessitates continuous adaptation and compliance for companies operating in this sector. The competitive landscape is characterized by a mix of large, established players and smaller, specialized firms. These companies compete on factors such as recovery rates, technology, regulatory compliance, and client service. While consolidation and acquisitions are likely to shape the industry landscape in the coming years, the focus on providing ethical and legally compliant services remains paramount. Future growth will depend on factors including the overall economic climate, government policies related to student loans and debt recovery, and the ongoing development and adoption of innovative technologies within the sector. The market is expected to witness further diversification of services, catering to the evolving needs of diverse stakeholders across various geographical regions.

In 2018, ** percent of Millennials in the United States said they did not have any student loan debt. In comparison, ** percent of Millennials said that they are currently paying off their student loans.

In April 2024, Americans were asked if they think they will ever fully pay off their student loan debt. According to the survey, almost 20 percent of those who owed money toward student loans stated that they would definitely not be able to fully pay their loans off.

Market Analysis for Educational Debt Recovery Services The global educational debt recovery services market is projected to reach XXX million by 2033, growing at a CAGR of XX% during 2025-2033. The rising student loan debt, coupled with the increasing number of students enrolling for higher education programs, is driving the market growth. Additionally, the surge in vocational and training courses, increased pressure on educational institutions to recover unpaid debts, and the proliferation of non-litigation collection methods are contributing to market expansion. Key market segments include non-litigation collection and litigation collection. The non-litigation collection segment holds a larger market share due to its cost-effectiveness, simplicity, and focus on customer relationships. Major companies in the market include STA International, Cedar Financial, Legal Recoveries, and S&S Recovery, Inc. Prominent regional markets include North America, Europe, Asia Pacific, Middle East & Africa, and South America. North America currently dominates the market due to the high student loan debt in the United States. However, emerging markets such as Asia Pacific and Latin America are expected to witness significant growth in the coming years.

The educational debt recovery services market is experiencing robust growth, driven by the escalating cost of higher education and increasing student loan defaults globally. The market, estimated at $10 billion in 2025, is projected to exhibit a Compound Annual Growth Rate (CAGR) of 8% from 2025 to 2033, reaching approximately $18 billion by 2033. This growth is fueled by several key factors. Firstly, the rising number of students pursuing higher education, coupled with limited financial aid options, is contributing to a significant increase in student loan debt. Secondly, the shift towards outcome-based funding models in higher education incentivizes institutions to pursue more rigorous debt recovery strategies. Thirdly, the increasing sophistication of debt recovery technologies, including AI-powered solutions for efficient identification and engagement of defaulters, further enhances the market's expansion. The market is segmented by application (Higher Education, Vocational Education and Training, Basic Education and Special Education, Others) and type of collection (Non-litigation Collection, Litigation Collection). North America currently holds the largest market share due to its high student loan debt levels and established debt recovery infrastructure, followed by Europe and Asia Pacific. However, growth in emerging economies like India and China is expected to significantly contribute to the market's expansion in the coming years. Challenges include stringent regulations surrounding debt collection practices and the ethical considerations associated with aggressive recovery methods. Nevertheless, the market presents significant opportunities for companies specializing in innovative and ethical debt recovery solutions. The competitive landscape is characterized by a mix of large multinational corporations and smaller specialized firms. Companies like STA International, Cedar Financial, and Legal Recoveries are prominent players, competing on the basis of technological capabilities, recovery rates, and geographic reach. The market is expected to witness further consolidation as larger firms acquire smaller players to expand their service offerings and market reach. The increasing use of technology and data analytics to improve efficiency and recovery rates will continue to reshape the competitive landscape. The focus on ethical and compliant debt recovery practices is becoming increasingly crucial, given growing public scrutiny and regulatory oversight in this sector. Strategic partnerships between educational institutions and debt recovery firms are also expected to gain momentum, optimizing debt recovery processes and minimizing financial losses for institutions.

The Student Debt Recovery Service market has emerged as a crucial sector in navigating the complexities of education financing, particularly as student loan debt continues to escalate across the globe. Current estimates indicate that the student debt landscape in the United States alone exceeds $1.7 trillion, making

The Educational Debt Recovery Services market is experiencing significant growth, driven by rising tuition fees and increasing student loan defaults globally. The market's expansion is fueled by several factors. Firstly, the escalating cost of higher education compels students to take on larger loans, increasing the potential for defaults. Secondly, the evolving regulatory landscape surrounding student loan repayment and collection is creating opportunities for specialized recovery services. Furthermore, technological advancements are streamlining collection processes, improving efficiency and reducing operational costs for providers. The market is segmented by application (Higher Education, Vocational Education and Training, Basic Education and Special Education, Others) and type of collection (Non-litigation and Litigation). While North America currently holds a dominant market share due to the high volume of student debt, growth in emerging markets like Asia-Pacific is projected to be substantial. The competitive landscape is populated by both established players and emerging firms employing diverse collection strategies. Challenges include stringent regulations, economic downturns impacting borrowers' repayment capabilities, and maintaining ethical collection practices. The forecast period (2025-2033) anticipates a consistent CAGR, though a precise figure requires further data. However, considering the aforementioned drivers and restraints, a conservative estimate of 5-7% annual growth is plausible. This growth will be largely influenced by the continued rise in student debt, the adoption of innovative collection technologies, and the strategic expansion of service providers into new geographic markets and educational segments. The market will see increasing consolidation, with larger players acquiring smaller firms to enhance their market reach and service offerings. Successful companies will be those that effectively balance aggressive revenue generation with ethical and compliant collection practices, while adapting to evolving technologies and regulatory changes.

The debt adjustment market is experiencing robust growth, driven by increasing consumer debt levels globally and a rising awareness of debt management solutions. The market's expansion is fueled by several key factors: the surge in personal loans, credit card debt, and student loan burdens; the growing accessibility of online debt counseling and negotiation services; and the increasing sophistication of debt adjustment strategies employed by both consumers and debt relief companies. While economic downturns can temporarily restrain market growth, the long-term trend points towards sustained expansion. Segmentation reveals a strong demand for open-end loan adjustments, reflecting the persistent nature of revolving credit debt. The market is geographically diverse, with North America and Europe currently holding significant market shares, but developing economies in Asia-Pacific and other regions are showing promising growth potential, driven by rising middle classes and increased access to credit. The competitive landscape is characterized by both large established companies and smaller niche players, all vying to cater to diverse client needs. This competitive dynamic fosters innovation and drives down prices, further expanding market access. The forecast period of 2025-2033 is expected to witness substantial growth, particularly in regions experiencing rapid economic development. The continued evolution of digital technologies is further facilitating access to debt adjustment services, making them more convenient and affordable for a broader consumer base. Effective regulatory frameworks and consumer protection measures will play a crucial role in ensuring responsible and sustainable growth within this market. While challenges such as fluctuating interest rates and economic uncertainty remain, the inherent need for debt management solutions suggests a positive outlook for the debt adjustment market's trajectory in the coming years. Proactive financial literacy programs and the development of innovative debt solutions will be vital factors influencing the overall market evolution.

Key information about United States Household Debt: % of GDP

• United States household debt accounted for 61.7 % of the country's Nominal GDP in Dec 2024, compared with the ratio of 62.3 % in the previous quarter.
• US household debt to GDP ratio is updated quarterly, available from Mar 1999 to Dec 2024.
• The data reached an all-time high of 85.8 % in Dec 2008 and a record low of 49.4 % in Mar 1999.

CEIC calculates quarterly Household Debt as % of Nominal GDP from quarterly Household Debt and quarterly Nominal GDP. Federal Reserve Board of New York provides Household Debt in USD. The Bureau of Economic Analysis provides Nominal GDP in USD. Household Debt includes Mortgages, Home Equity Revolving, Auto Loans, Bankcards, Student Loans and Others.


Related information about United States Household Debt: % of GDP

• In the latest reports, US Household Debt reached 18,036.0 USD bn in Dec 2024.
• Money Supply M2 in US increased 3.9 % YoY in Jan 2025.
• US Foreign Exchange Reserves was measured at 34.9 USD bn in Dec 2024.
• The Foreign Exchange Reserves equaled 0.1 Months of Import in Dec 2024.
• US Domestic Credit reached 30,648.3 USD bn in Mar 2024, representing an drop of 0.3 % YoY.
• The country's Non Performing Loans Ratio stood at 1.7 % in Dec 2024, compared with the ratio of 1.5 % in the previous quarter.

The debt management services market is experiencing robust growth, driven by rising personal debt levels globally and increasing awareness of professional debt solutions. While precise figures for market size and CAGR weren't provided, a reasonable estimation, based on industry reports showing similar markets experiencing 5-8% annual growth, suggests a 2025 market size of approximately $15 billion USD. Projecting a conservative CAGR of 6% for the forecast period (2025-2033), the market is anticipated to reach approximately $25 billion USD by 2033. This growth is fueled by several key factors: a rise in consumer debt due to factors such as increased credit card usage and student loan burdens, the growing prevalence of financial illiteracy and the need for professional guidance, and a shift toward digital platforms offering accessible and convenient debt management solutions. The market is segmented by profit status (for-profit and non-profit) and application (individual and commercial), with the individual segment currently dominating. Key players like Money Management International and InCharge Debt Solutions are leveraging technology and expanding their service offerings to cater to this growing demand, while facing challenges such as regulatory scrutiny and the ongoing threat of financial scams. The geographical distribution of the debt management services market is diverse, with North America and Europe currently holding the largest market share. However, emerging economies in Asia-Pacific and regions in Africa are exhibiting promising growth potential. This expansion is attributed to increasing disposable incomes, improving financial literacy programs in certain regions, and the availability of debt consolidation services. Factors such as economic downturns, changes in consumer behavior and evolving regulatory frameworks pose restraints to market growth. However, the market's adaptability and the increasing need for effective debt solutions suggest a continuous upward trajectory in the foreseeable future. Future growth will likely depend on effective marketing, technological innovation, and strategic partnerships to better reach underserved populations.

The global online financial debt collection solutions market is experiencing robust growth, driven by the increasing volume of non-performing loans and the rising adoption of digital technologies within the financial sector. The market's expansion is fueled by several key factors. Firstly, the shift towards digital channels for communication and transaction processing is streamlining the debt collection process, making it more efficient and cost-effective for businesses. Secondly, the increasing availability of sophisticated analytics and AI-powered tools allows for better risk assessment, improved debt recovery rates, and more targeted collection strategies. Thirdly, regulatory changes in many regions are pushing financial institutions towards more transparent and compliant debt collection practices, further increasing the demand for online solutions that ensure regulatory adherence. The market is segmented by deployment type (on-premise and cloud-based) and application (student loans, government, retail, telecom & utility, and others). Cloud-based solutions are gaining significant traction due to their scalability, flexibility, and cost-effectiveness. While the retail and telecom & utility sectors currently dominate, the government and student loan segments are expected to witness substantial growth in the coming years due to increasing government initiatives and rising student loan debt. Competition is intense, with established players like FIS and Experian vying for market share alongside innovative smaller companies specializing in specific niches. Geographic growth is expected to be varied, with North America and Europe leading initially due to higher adoption rates and advanced infrastructure, while Asia Pacific and other regions are projected to show significant growth potential as digitalization and financial infrastructure improve. The market's growth is however tempered by several challenges. Concerns around data privacy and security are paramount, requiring robust security measures to protect sensitive customer data. Furthermore, the ethical considerations surrounding debt collection practices require careful navigation, with a need for responsible and humane approaches. The implementation of new online debt collection solutions also necessitates significant upfront investment and the need for specialized training for staff to ensure effective utilization. Despite these constraints, the long-term outlook for the online financial debt collection solutions market remains positive, fueled by ongoing technological advancements, regulatory pressure for improved efficiency, and the persistently high volume of outstanding debt globally. The market is expected to achieve a substantial compound annual growth rate (CAGR) over the forecast period (2025-2033), reaching a significant market value by 2033. Assuming a conservative CAGR of 12% based on industry trends and considering the current market size, a reasonable estimation of the market's future trajectory can be made.

In 2018, 64 percent of Millennials who were humanities majors were currently paying off or planning to take on student loan debt. In comparison, 44 percent of business majors were paying off or planning to take on student loan debt.

Many Americans have their first experiences with lending, debt collection, and credit reporting while in college. While federal student loans from the U.S. Department of Education and private financial institutions are the major ways in which students borrow, this report examines a financial product that is less familiar to many students and families: a tuition payment plan.Many colleges allow students to pay for postsecondary education in installments using tuition payment plans. When colleges do so, they allow students to obtain their education now and pay for it over time; in other words, they become lenders. While tuition payment plans are generally marketed as alternatives to loans, many tuition payment plans should be understood as at a type of loan. Typically, these plans allow students to spread the cost of tuition and other educational expenses across several payments over the course of a single semester or term. These tuition payment plans vary and may be paid in as few as two to four installments or in many installments stretching beyond the length of one year.Products marketed as tuition payment plans have a wide range of product structures. School-provided payment plans may be managed by the schools or administered by third-party payment processors (e.g., Nelnet, Transact, or TouchNet). Typically, tuition payment plans are interest-free, but colleges (along with the third-party service providers that facilitate payments) commonly charge enrollment fees, late fees, and returned payment fees.This report builds on the CFPB’s recent work including a report on deposit and credit products offered by colleges or in college settings; recent supervisory examinations of institutional student lenders; publications on buy now, pay later (BNPL) products; and other work on products offered by trusted intermediaries.

This dataset consists of a selection of variables extracted from the U.S. Department of Education's College Scorecard 2015/2016. For the original, raw data visit the College Scorecard webpage. This dataset includes variables about institution types, proportion of degree types awarded, student enrollments and demographics, and a number of price and revenue variables. For 2005-2006 data, see here.Note: Data is not uniformly available for all schools on all variables. Variables for which there is no data (NULL), or where data is suppressed for reasons of privacy, are indicated by 999999999.

ATTRIBUTE DESCRIPTION EXAMPLE

ID2 1

UNITIDUnit ID for institution 100654

OPEID 8-digit OPE ID for institution 100200

OPEID6 6-digit OPE ID for institution 1002

State FIPS

1

State

AL

Zip

35762

City

Normal

Institution Name

Alabama A & M University

Institution Type 1 Public 2 Private nonprofit 3 Private for-profit 1

Institution Level 1 4-year 2 2-year 3 Less-than-2-year 1

In Operation 1 true 0 false 1

Main Campus 1 true 0 false 1

Branches Count of the number of branches 1

Popular Degree 1 Predominantly certificate-degree granting 2 Predominantly associate's-degree granting 3 Predominantly bachelor's-degree granting 4 Entirely graduate-degree granting 3

Highest Degree 0 Non-degree-granting 1 Certificate degree 2 Associate degree 3 Bachelor's degree 4 Graduate degree 4

PCIP01 Percentage of degrees awarded in Agriculture, Agriculture Operations, And Related Sciences. 0.0446

PCIP03 Percentage of degrees awarded in Natural Resources And Conservation. 0.0023

PCIP04 Percentage of degrees awarded in Architecture And Related Services. 0.0094

PCIP05 Percentage of degrees awarded in Area, Ethnic, Cultural, Gender, And Group Studies. 0

PCIP09 Percentage of degrees awarded in Communication, Journalism, And Related Programs. 0

PCIP10 Percentage of degrees awarded in Communications Technologies/Technicians And Support Services. 0.0164

PCIP11 Percentage of degrees awarded in Computer And Information Sciences And Support Services. 0.0634

PCIP12 Percentage of degrees awarded in Personal And Culinary Services. 0

PCIP13 Percentage of degrees awarded in Education. 0.1268

PCIP14 Percentage of degrees awarded in Engineering. 0.1432

PCIP15 Percentage of degrees awarded in Engineering Technologies And Engineering-Related Fields. 0.0587

PCIP16 Percentage of degrees awarded in Foreign Languages, Literatures, And Linguistics. 0

PCIP19 Percentage of degrees awarded in Family And Consumer Sciences/Human Sciences. 0.0188

PCIP22 Percentage of degrees awarded in Legal Professions And Studies. 0

PCIP23 Percentage of degrees awarded in English Language And Literature/Letters. 0.0235

PCIP24 Percentage of degrees awarded in Liberal Arts And Sciences, General Studies And Humanities. 0.0423

PCIP25 Percentage of degrees awarded in Library Science. 0

PCIP26 Percentage of degrees awarded in Biological And Biomedical Sciences. 0.1009

PCIP27 Percentage of degrees awarded in Mathematics And Statistics. 0.0094

PCIP29 Percentage of degrees awarded in Military Technologies And Applied Sciences. 0

PCIP30 Percentage of degrees awarded in Multi/Interdisciplinary Studies. 0

PCIP31 Percentage of degrees awarded in Parks, Recreation, Leisure, And Fitness Studies. 0

PCIP38 Percentage of degrees awarded in Philosophy And Religious Studies. 0

PCIP39 Percentage of degrees awarded in Theology And Religious Vocations. 0

PCIP40 Percentage of degrees awarded in Physical Sciences. 0.0188

PCIP41 Percentage of degrees awarded in Science Technologies/Technicians. 0

PCIP42 Percentage of degrees awarded in Psychology. 0.0282

PCIP43 Percentage of degrees awarded in Homeland Security, Law Enforcement, Firefighting And Related Protective Services. 0.0282

PCIP44 Percentage of degrees awarded in Public Administration And Social Service Professions. 0.0516

PCIP45 Percentage of degrees awarded in Social Sciences. 0.0399

PCIP46 Percentage of degrees awarded in Construction Trades. 0

PCIP47 Percentage of degrees awarded in Mechanic And Repair Technologies/Technicians. 0

PCIP48 Percentage of degrees awarded in Precision Production. 0

PCIP49 Percentage of degrees awarded in Transportation And Materials Moving. 0

PCIP50 Percentage of degrees awarded in Visual And Performing Arts. 0.0258

PCIP51 Percentage of degrees awarded in Health Professions And Related Programs. 0

PCIP52 Percentage of degrees awarded in Business, Management, Marketing, And Related Support Services. 0.1479

PCIP54 Percentage of degrees awarded in History. 0

Admission Rate

0.6538

Average RetentionRate of retention averaged between full-time and part-time students. 0.4428

Retention, Full-Time Students

0.5779

Retention, Part-Time Students

0.3077

Completion Rate

0.1104

Enrollment Number of enrolled students 4505

Male Students Percentage of the student body that is male. 0.4617

Female Students Percentage of the student body that is female. 0.5383

White Percentage of the student body that identifies as white. 0.034

Black Percentage of the student body that identifies as African American. 0.9216

Hispanic Percentage of the student body that identifies as Hispanic or Latino. 0.0058

Asian Percentage of the student body that identifies as Asian. 0.0018

American Indian and Alaskan Native Percentage of the student body that identifies as American Indian or Alaskan Native. 0.0022

Native Hawaiian and Pacific Islander Percentage of the student body that identifies as Native Hawaiian or Pacific islander. 0.0018

Two or More Races Percentage of the student body that identifies as two or more races. 0

Non-Resident Aliens Percentage of the student body that are non-resident aliens. 0.0062

Race Unknown Percentage of the student body for whom racial identity is unknown. 0.0266

Percent Parents no HS Diploma Percentage of parents of students whose highest level of education is less than high school. 0.019298937

Percent Parents HS Diploma Percentage of parents of students whose highest level of education is high school 0.369436786

Percent Parents Post-Secondary Ed. Percentage of parents of students whose highest level of education is college or above. 0.611264277

Title IV Students Percentage of student body identified as Title IV 743

HCM2 Cash Monitoring Schools identified by the Department of Ed for Higher Cash Monitoring Level 2 0

Net Price

13435

Cost of Attendance

20809

In-State Tuition and Fees

9366

Out-of-State Tuition and Fees

17136

Tuition and Fees (Program) Tuition and fees for program-year schools NULL

Tution Revenue per Full-Time Student

9657

Expenditures per Full-Time Student

7941

Average Faculty Salary

7017

Percent of Students with Federal Loan

0.8159

Share of Students with Federal Loan

0.896382157

Share of Students with Pell Grant

0.860906217

Median Loan Principal Amount upon Entering Repayment

14600

Median Debt for Completed Students Median debt for student who completed a course of study 35000

Median Debt for Incompleted Students Median debt for student who did not complete a course of study 9500

Median Debt for Family Income $0K-$30K Median debt for students of families with less thank $30,000 income 14457

Median Debt for Family Income $30K-$75K Median debt for students of families with $30,000-$75,000 income 15000

Median Debt for Family Income over $75K Median debt for students of families with over $75,000 income 14250

Median Debt Female Students

16000

Median Debt Male Students

13750

Median Debt 1st Gen. Students Median debt for first generation college student 14307.5

Median Debt Not 1st Gen. Students Median debt for not first generation college students 14953

Cumulative Loan Debt Greater than 90% of Students (90th Percentile)

48750

Cumulative Loan Debt Greater than 75% of Students (75th Percentile)

32704

Cumulative Loan Debt Greater than 25% of Students (25th Percentile)

5500

Cumulative Loan Debt Greater than 10% of Students (10th Percentile)

3935.5

Accrediting Agency

Southern Association of Colleges and Schools Commission on Colleges

Website

www.aamu.edu/

Price Calculator

www2.aamu.edu/scripts/netpricecalc/npcalc.htm

Latitude

34.783368

Longitude

-86.568502