Daily loads of suspended sediment and total phosphorus for the 10-year, 1-day design high flow and average of the 16-year period (1975 to 1990) were computed for 18 well-monitored tributaries to Lake Michigan and Lake Superior by use of constituent-transport models. The loads from these 18 reference tributaries were used to estimate the loads from all the United States tributaries (with drainage basins greater than 325 km²) to Lake Michigan and Lake Superior by selection of a reference tributary with the most similar physical characteristics and use of a unit-area yield. Statistical comparisons between computed yields and environmental factors were used to determine the physical characteristics that were most influential in selecting a reference tributary. Suspended sediment yields were affected primarily by river gradient and secondarily by the texture of surficial deposits, whereas total phosphorus yields were affected primarily by the texture of surficial deposits and secondarily by river gradient. Average total phosphorus loads were greatest in rivers entering the middle to southern part of Lake Michigan, especially those draining clayey surficial deposits in agricultural areas. During high flow, loads of phosphorus and suspended sediment from tributaries entering the southwestern part of Lake Superior dominate the total input of these constituents because of the steep gradients of the rivers and the clayey surficial deposits that they drain. These loads were used to compute regional loads and to rank the tributaries on the basis of their respective loads during a specified high flow and over extended periods.