According to educationdata.org, in NJ, the average college student debt is $35,000 (assume normal distribution, = 14,000).

If you have $14,000 in student loans, how many standard deviations are you away from the mean? Relatively speaking (i.e., comparing your loan amount to the loan amount of the population of NJ college students), is this a good thing or a bad thing? Show all work and explain your answer.