No matter how you slice it, New York’s college students struggle with too much debt.

Two new reports show that bright-eyed young New Yorkers enrolled in college, or recent grads with diplomas from local schools, carry an average student-debt burden of roughly $30,000.

Soaring higher-education costs, combined with fewer grants, are putting the squeeze on students, crimping their prospects and hampering economic growth.

At $1.3 trillion and counting, the national student debt problem is so large that even Hillary Clinton and Donald Trump, bitter foes for the presidency, agree something must be done.

Debt levels vary greatly by college and location, and a voluntary reporting system means the full picture is incomplete.

Based on data reported by 56 percent of US public and nonprofit colleges for 2015, seven in 10 graduating seniors had college debt, averaging $30,100.

Sixty percent of students graduating from New York colleges had debt averaging $29,320, a 5 percent increase from 2014, according to The Institute for College Access & Success, or TICAS.

“That’s no small chunk of change,” said TICAS vice president Debbie Cochrane.

In the same vein, a September report by the New York State Comptroller showed that in 2015, New York residents with college debt owed an average of $32,200, outpacing the national average.

In total, New Yorkers owe $82 billion in student-loan debt, more than double the 2006 total. Student loans constituted more than half of the net increase in household debt in New York over the past 10 years.

“Although investments in higher education may lead to a stronger and more diverse economy, the cost of student loans may depress consumers’ ability to purchase new homes and make other expenditures that generate economic activity,” Comptroller Thomas DiNapoli’s report said.

When setting out to pay for school, look first at federal loans when considering taking on student debt, Cochrane said.

Federal loans are eligible for income-based repayment plans, and cost far less than private loans.