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The analysis compared median wages to mortgage repayments, cost of living and the health of the job markets in each town.
Debtors expect to take three-and-a-half years to pay off the money they owe – and debt repayments cost them on average £224 a month.
The universities minister has reportedly said student loan repayments cost the same as buying a cup of "posh coffee" every day.
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By borrowing, they've made investments whose future benefits will far outweigh repayment costs.
One of the first, at Darent Valley, cost £80m to build but the total repayment costs amount to £800m.
Because some of that debt is in dollars, repayment costs are rising – a problem experienced by several African countries.
What the government can do is to use its huge buying power to make PFI companies reduce repayment costs.
The agency claims that Navient misled millions of borrowers and illegally drove up their loan repayment costs.
On average, those on middle-incomes of between £21,000 - £35,000 will pay an average of £6,000 extra in repayment costs according to the Government's own assessment.
Lenders have been warning mortgage holders to start preparing for the prospect of interest rates rising and the impact that this will have on their repayment costs.
While record low interest rates have reduced current repayment costs, fewer people than we hoped have used this breathing space to pay off their debts.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com