Mike Terry, Deseret News

The U.S. economy continues to pound on young adults with joblessness and student debt. The average national unemployment for young adults aged 20-24 was 13.5 percent in July 2012, according to the Bureau of Labor Statistics. That means about 2 million young people are without jobs. But, there are some states that offer economic shelter, cheap education and a youth-friendly environment, according to a study from MoneyRates.com. MoneyRates, a website that helps users find competitive bank rates, released a list of the top 10 best states for young people. The rankings are based on nine key factors, some of which include everything from unemployment and housing costs to the amount of youthful retailers and health clubs in the state.

12 Utah's placing
Scott G. Winterton, Deseret News

Utah made the cut based on its large, youthful population and low unemployment, Richard Barrington, senior analyst for MoneyRates.com, said in an interview. The state also boasts the lowest average education costs in country, he said.

"Student debt is at an all-time high now," Barrington told the Deseret News. "That's an example of what we were looking for. That can really make a difference when you're starting out in life."

The state also ranks third in total youth population, Barrington said.

11 Utah's placing, cont.
Douglas Pizac, Associated Press

Though Utah has a thriving, young workforce, there were some factors that held the state back in the rankings.

Utah was the 12th lowest state in concentration of fitness clubs, Barrington said.

The following is a list of the top 10 best places in the U.S. to be a young person.

Each slide contains specific figures that played a factor in the rankings.

10 New Hampshire
TowerGirl via Flickr

Percent unemployed aged 20-24: 8.7 percent

Percent of population aged 18-24: 9.35 percent

Average public/private higher education costs: $23,634

Median rental costs: $918

Despite its high on availability of fitness clubs and youth-oriented stores, the state has a low population of young adults.

9 Utah
Ravell Call, Deseret News

Percent unemployed aged 20-24: 8.5 percent

Percent of population aged 18-24: 11.51 percent

Average public/private higher education costs: $5,745

Median rental costs: $793

8 Alaska
HBarrison via Flickr

Percent unemployed aged 20-24: 12.8 percent

Percent of population aged 18-24: 10.54 percent

Average public/private higher education costs: $15,431

Median rental costs: $1,007

7 Vermont
origamidon via Flickr

Percent unemployed aged 20-24: 12.8 percent

Percent of population aged 18-24: 10.37 percent

Average public/private higher education costs: $23,361

Median rental costs: $829

6 Delaware
tcd123usa via Flickr

Percent unemployed aged 20-24: 11.4 percent

Percent of population aged 18-24: 10.12 percent

Average public/private higher education costs: $12,192

Median rental costs: $949

5 Nebraska
J. Stephen Conn via Flickr

Percent unemployed aged 20-24: 7.9 percent

Percent of population aged 18-24: 9.99 percent

Average public/private higher education costs: $13,574

Median rental costs: $644

4 Montana
jimmywayne via Flickr

Percent unemployed aged 20-24: 14.7 percent

Percent of population aged 18-24: 9.56 percent

Average public/private higher education costs: $14,431

Median rental costs: $627

3 Iowa
J. Stephen Conn via Flickr

Percent unemployed aged 20-24: 11.3 percent

Percent of population aged 18-24: 10.04 percent

Average public/private higher education costs: $17,057

Median rental costs: $611

2 South Dakota
Travis S. via Flickr

Percent unemployed aged 20-24: 8.4 percent

Percent of population aged 18-24: 10.01 percent

Average public/private higher education costs: $14,900

Median rental costs: $562

1 North Dakota
porchlife via Flickr

Percent unemployed aged 20-24: 5.3 percent

Percent of population aged 18-24: 12.05 percent

Average public/private higher education costs: $10,774

Median rental costs: $564