The borrowers who struggle most with student loan debt typically aren’t those with the highest balances, a new analysis indicates.

The neighborhoods where households have the highest student loan balances typically have low rates of delinquency — defined as the average number of loans at least 90 days past due per household divided by the average number of outstanding loans per household — according to an analysis of income and credit report data by the Center for American Progress, a left-leaning think tank and the Washington Center for Equitable Growth, a research organization focused on economic inequality. That’s largely because these are also the areas where households have higher incomes, making student debt a more manageable burden.

These maps of Washington, D.C. and Chicago show how the highest income areas tend to have the highest student loan balances, but struggle with them the least.

The analysis adds to the growing body of evidence that it’s borrowers with the smallest debt burdens who tend to struggle the most. That might seem counterintuitive and it certainly runs in contrast to the prevailing narrative seen in the media and in political campaigns of borrowers flailing under the weight of six-figure debts.

But borrowers with relatively low debt balances tend to struggle because they often have low prospects in the labor market either because they dropped out of school or perhaps because they earned their credential at an institution that doesn’t have much currency in the job market, like a for-profit college.

Borrowers with high levels of debt, on the other hand, usually accumulate that debt as a result of attending graduate school, a bet that typically pays off with incomes high enough to manage their debt payments. Just 3% of graduate degree recipients are behind on their loan payments, according to a May 2015 report from the Federal Reserve Board of Governors.

That’s borne out in the maps published Tuesday. The areas with the highest loan balances tend to have the highest incomes and lowest rates of delinquency, indicating they also likely have high levels of education that provide them with the ability to successfully pay back their loans.

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Poorer areas, on the other hand, tend to have high levels of delinquency even if they have lower average loan balances. In many cases, these are the same areas hardest hit by the foreclosure crisis.

“What made me shiver was how similar some of these maps looked to what we saw in the subprime mortgage crisis,” Rohit Chopra, a senior fellow at the Center for American Progress and the former student loan ombudsman at the Consumer Financial Protection Bureau, said at a panel announcing the findings, “where some of the lowest income neighborhoods were the ones who took on the not huge amounts of debt — they weren’t buying million-dollar homes — but over time we saw how those individual neighborhoods were devastated by foreclosure and in some ways those communities were melting around them.”

Though the perhaps most troubling conclusion from the analysis is the way in which the student debt crisis disproportionately affects poorer areas already hit hard by the foreclosure crisis, the research also indicates that even borrowers living in relatively high-income areas are forking over a significant share of their earnings to pay off student loans.

Even borrowers living in relatively high-income areas are forking over a decent share of their income to pay for student loans.

Because these borrowers are living in high-income areas they’re likely also subject to relatively high housing costs, Chopra noted on a call with reporters. The combination of student debt payments and high housing costs means they may not have enough money left over to save for retirement or work towards other economic milestones.

Chopra suggested that reforms in servicing — the process borrowers go through with private companies to pay back their student loans — could help borrowers with decent incomes get access to more manageable payments. He also suggested policymakers work towards a way to make first-time home buying easier for student loan borrowers.

“We need to start thinking about this being about more than just education,” he said.

Head to mappingstudentdebt.org to find out the student debt picture in your neighborhood.